Keep the rules separate
We explain federal rights, state protections, and bank or credit-union programs in their own sections.
How we work
Where our SCRA information comes from.
Official sources
We publish a state protection only when current official state law supports the claim. We use official provider sources for additional bank or credit-union benefits.
Match the account
We match every fact to the legal entity and product named by the source.
Match the contact
We label each contact for its stated purpose: questions, requests, or documents.
Name the gaps
If we cannot confirm a route or benefit, we say so. “Not found” does not mean “not offered.”
Full guides need evidence
We publish a full guide only when official sources support useful details about that provider.
Publishing guides
What stays out, and when we update.
What we leave out
Unverified rates, claims borrowed from a related company, conflicting contact details, expired offers, and general phone numbers presented as places to send orders or documents.
When we update a guide
We revisit a guide when an official policy, product term, merger, issuer, servicer, or contact route changes—or when a published fact appears outdated.
How we review state protections.
Each guide links to the state law and explains who it covers, where it applies, and what steps or deadlines matter. A guide cannot tell whether you qualify. States and topics without a guide may still have protections.
The estimator and downloadable request use the federal 6% rule; they do not calculate or request state relief. Browse state protections
Bank guides
Why some entries have no full guide.
Every bank and credit union remains available in the directory, estimator, and comparison. When official evidence does not support a useful full guide, the directory provides a concise starting point.
What the review date means.
A review date tells you when we checked the sources. Provider terms can change. If a guide looks outdated, email support@ordersfirst.com with the provider name and official page.
Estimate and request
Your download does not include estimate details.
The download includes the written request, your name, provider, account type, account last four, active-duty start, and any optional email or phone you add. It does not include your account-opened date, balance, APR, estimated amount, or calculation.
Before sending it, sign the request and add the service documents your creditor or servicer asks for.
Editorial responsibility
Orders First is responsible for this information.
Orders First publishes these guides. Your creditor or servicer decides whether you qualify and calculates any adjustment. We are independent of banks and government agencies.