# SCRA

## Delete line of credit loan terms SCRA

 - [DELETE /people/{personId}/loans/{loanId}/loc-payment-plan-scra](https://docs.peachfinance.com/api-docs/api-public/scra/peach.people.loans.expected_payments.handlers.loc_change_terms_scra_delete.md): Removes a single SCRA interest rate (interestType=AbsoluteScra) on a line of credit loan.

The specified rateId must refer to an active SCRA interest rate on the loan.

Note: This endpoint currently validates the request but does not yet remove an
SCRA payment plan. Full plan removal will be added once the spec is finalized.

## Create line of credit loan terms SCRA

 - [POST /people/{personId}/loans/{loanId}/loc-payment-plan-scra](https://docs.peachfinance.com/api-docs/api-public/scra/peach.people.loans.expected_payments.handlers.loc_change_terms_scra_create.md): Creates SCRA (Servicemembers Civil Relief Act) terms for a line of credit loan.

For the SCRA period, the loan rate is lowered (default 6%) and fees may be canceled.
Only applicable to line of credit loans.

The startDate must be before or equal to endDate, and both must fall within
the loan's lifetime. The annualRate cannot exceed 6% per US federal regulations.
Overlapping SCRA periods are not allowed.

Note: This endpoint currently validates the request but does not yet create an
SCRA payment plan. Full plan creation will be added once the spec is finalized.

## Change line of credit loan terms SCRA

 - [PUT /people/{personId}/loans/{loanId}/loc-payment-plan-scra](https://docs.peachfinance.com/api-docs/api-public/scra/peach.people.loans.expected_payments.handlers.loc_change_terms_scra_update.md): Modifies the start date or end date of a single SCRA interest rate (interestType=AbsoluteScra)
on a line of credit loan.

The new startDate must be before or equal to endDate, and both must fall within
the loan's lifetime. The modified SCRA period must not overlap with other SCRA plans.

Note: This endpoint currently validates the request but does not yet modify an
SCRA payment plan. Full plan modification will be added once the spec is finalized.

## Delete installment loan terms SCRA

 - [DELETE /people/{personId}/loans/{loanId}/payment-plan-scra](https://docs.peachfinance.com/api-docs/api-public/scra/peach.people.loans.expected_payments.handlers.loan_change_terms_scra_delete.md): This endpoint is used for removing a single SCRA interest rate (interestType=AbsoluteScra) on a loan. Only applicable to installment loans. 

If the SCRA start date is in the past, this will replay the loan.

When an existing SCRA plan is updated or deleted, the system determines whether fees should be canceled or revived based on the isCancelFees value from the original SCRA plan.
For example, if we are updating the SCRA plan:

Expanding the SCRA period
- If isCancelFees = true, we will cancel fees within the extended SCRA plan period.
- If isCancelFees = false, we will not cancel any fees within the extended SCRA plan period.

Shrinking the SCRA period
- If isCancelFees = true, we will revive any previously canceled fees within the portion of the SCRA plan period that is being removed.
- If isCancelFees = false, we will not revive any fees since there were no fees canceled in the original SCRA plan.

## Create installment loan terms SCRA

 - [POST /people/{personId}/loans/{loanId}/payment-plan-scra](https://docs.peachfinance.com/api-docs/api-public/scra/peach.people.loans.expected_payments.handlers.loan_change_terms_scra_create.md): Creates a customer payment plan for the borrower in accordance with SCRA regulations.
Only applicable to installment loans.

## Change installment loan terms SCRA

 - [PUT /people/{personId}/loans/{loanId}/payment-plan-scra](https://docs.peachfinance.com/api-docs/api-public/scra/peach.people.loans.expected_payments.handlers.loan_change_terms_scra_update.md): This endpoint is used for modifying the start date or end date of a single SCRA interest rate (interestType=AbsoluteScra).
Only applicable to installment loans.

If the SCRA start date is in the past, this will replay the loan.

When an existing SCRA plan is updated or deleted, the system determines whether fees should be canceled or revived based on the isCancelFees value from the original SCRA plan.
For example, if we are updating the SCRA plan:

Expanding the SCRA period
- If isCancelFees = true, we will cancel fees within the extended SCRA plan period.
- If isCancelFees = false, we will not cancel any fees within the extended SCRA plan period.

Shrinking the SCRA period
- If isCancelFees = true, we will revive any previously canceled fees within the portion of the SCRA plan period that is being removed.
- If isCancelFees = false, we will not revive any fees since there were no fees canceled in the original SCRA plan.