UNDER SE`CRETARY OF DEFENSE 4000 DEFENSE PENTAGoN wAsHlNGToN, D.c. 20301-4000

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FERSONNEL AND READ|NESS

On July 22, 2015, the Departrnent of Defense, Offlce of the Under Secretary of Defense for Personnel and Readiness, published in the Federal Register a Final Rule entitled “Limitations on Terrns of Consumer Credit Extended to Service Members and Dependents,”

560 (the "Final Rule"). The authority under which the Final Rule was issued has been questioned in litigation. To resolve these questions, and in an abundance of caution, I state that I have become familiar with the contents of the Final Rule, and I hereby affirm and ratify the Final Rule as it was published in the Federal Register on July 22, 2015, including all regulatory analysis

certifications contained therein.