# Set and manage SCRA terms

The Servicemembers Civil Relief Act (SCRA) provides interest rate protections for active-duty military members. Use **Set SCRA terms** to create an SCRA plan that caps the interest rate and optionally waives fees during the service period. Use **Manage SCRA terms** to update the start or end date of an existing plan.

**Availability:** All clients
**Required permissions:** `loan:paymentplan.scra.create` (to set); `loan:paymentplan.scra.update` (to manage)
**Loan status:** `active`
**Loan types:** All

## Before you begin

- When an SCRA period is applied, the system does not automatically prevent future fees from being charged. To waive fees during the SCRA period, you may need to use the [Charge and waive fees](/servicing-operations/agent-only-tools/agent-tools-fees) tool separately or create a snooze on the case.
- SCRA plans cannot overlap with other active SCRA plans on the same loan. The system validates dates against existing plans and displays an error if an overlap is detected.
- For both installment and Line of Credit loans, the tool is accessed from the **Hardship** section of the Loan Options menu.


## Set SCRA terms

1. From the agent-view Borrower Portal, open the loan and select **Loan options** > **Set SCRA terms**.
2. Enter the **New rate (annual)** — the reduced interest rate for the SCRA period (typically 6% per the SCRA statute).
3. Select the **Start date** for when SCRA benefits begin.
4. Select the **End date**:
  - Select **End of loan** to apply the rate for the remaining life of the loan.
  - Select **Custom end date** and choose a specific date.
5. Optionally select **Waive all fees** to cancel fees charged during the SCRA period.
6. Optionally select **Send notice to borrower** to email the borrower.
7. If your company requires a Case ID, select a case from the **Case ID** dropdown. See [Global behaviors — Case ID requirement](/servicing-operations/agent-only-tools/agent-tools-overview#case-id-requirement).
8. Select **Set installment SCRA terms** (for installment loans) or **Set line of credit SCRA terms** (for LOC loans).
9. Confirm the changes in the confirmation dialog.


The SCRA terms take effect at the start date. If the start date is in the past, the system replays the loan.

### Set SCRA terms field reference

| Field | Description | Required | Values / Format |
|  --- | --- | --- | --- |
| **New rate (annual)** | The reduced annual interest rate during the SCRA period. | Yes | Number (percentage) |
| **Start date** | The date SCRA benefits begin. | Yes | Date |
| **End date** | How long the SCRA rate applies. | Yes | Radio: End of loan, or Custom end date (date picker) |
| **Custom end date** | The specific date SCRA benefits end. Only shown when **Custom end date** is selected. | Conditional | Date |
| **Waive all fees** | Cancels fees charged during the SCRA period. | No | Checkbox |
| **Send notice to borrower** | Sends an email to the borrower about the SCRA terms. | No | Checkbox |
| **Case ID** | The case associated with this action. | Conditional | Select from open cases. Required when `forceCaseIdOnAgentActions` is enabled. |


## Manage SCRA terms

Update the start or end date of an existing SCRA plan.

1. From the agent-view Borrower Portal, open the loan and select **Loan options** > **Manage SCRA terms**.
2. Select the **SCRA interest rate** plan to update from the dropdown. If no active SCRA plans exist, a message indicates that there are no plans to manage.
3. Update the **Start date** as needed.
4. Update the **End date**: select **End of loan** or **Custom end date** with a specific date.
5. Optionally select **Send notice to borrower** (selected by default).
6. If your company requires a Case ID, select a case from the **Case ID** dropdown.
7. Select **Update installment SCRA terms** (for installment loans) or **Update line of credit SCRA terms** (for LOC loans).
8. Confirm the changes in the confirmation dialog.


The system validates that the updated dates do not overlap with other active SCRA plans. If an overlap is detected, an error message is displayed and you must adjust the dates.

**Important:** When updating an SCRA plan, the system determines whether to cancel or revive fees based on the original plan's **Waive all fees** setting. For example, if fees were waived and the end date is extended, fees in the new extended period are also canceled. If fees were not waived originally, extending the plan does not cancel fees in the new period.

### Manage SCRA terms field reference

| Field | Description | Required | Values / Format |
|  --- | --- | --- | --- |
| **SCRA interest rates** | The existing SCRA plan to update. | Yes | Select from active SCRA plans |
| **Start date** | The updated start date. Must not overlap with other active SCRA plans. | Yes | Date |
| **End date** | The updated end date. | Yes | Radio: End of loan, or Custom end date (date picker). Must not overlap with other active plans. |
| **Custom end date** | The specific updated end date. Only shown when **Custom end date** is selected. | Conditional | Date |
| **Send notice to borrower** | Sends an email to the borrower about the updated terms. | No | Checkbox (default: selected) |
| **Case ID** | The case associated with this action. | Conditional | Select from open cases. Required when `forceCaseIdOnAgentActions` is enabled. |


## Related pages

- [Agent-only loan tools](/servicing-operations/agent-only-tools/agent-tools-overview)
- [Set and manage rate caps](/servicing-operations/agent-only-tools/agent-tools-rate-caps)
- [Set and remove interest rates](/servicing-operations/agent-only-tools/agent-tools-interest-rates)
- [Charge and waive fees](/servicing-operations/agent-only-tools/agent-tools-fees)