Military Lending Act (MLA) - Effective December 15, 2017All dealerships and finance companies must comply with the Military Lending Act when selling to members of the military and their dependents. This Act covers all retail sales contracts that include credit related products such as Credit Life and GAP. The attached information was provided by CIADA and NIADA to assist you in complying with the MLA. MLA Disclosures. MLA Interpretation.