Wednesday, July 22, 2015

Russia Presents Threat to U.S., Army General Says



By David Vergun and Lora Strum
Army News Service

WASHINGTON, July 22, 2015 – Russia is the only country on Earth that presents a nuclear existential threat to the United States, the commander of U.S. Army Forces Command told members of the Senate Armed Services Committee here yesterday.

Army Gen. Mark A. Milley addressed the committee regarding his nomination to become the next Army chief of staff.

The general said he couldn't divine Russia's intent going forward. But recent Russian actions have “been very, very stressful,” he added.

“They've attacked and invaded Georgia. They've [annexed] Crimea. They've attacked Ukraine. That's very worrisome,” Milley said of Russian actions. “So, I'd put Russia right now, from a military perspective, as our No. 1 threat."

One senator asked the general if he thought the United States should arm the Ukrainians with counter-battery systems, with which it could defend the nation from Russian artillery and rocket strikes.

"I'd be in favor of lethal, defensive equipment" in addition to nonlethal aid that’s already been provided to Ukraine, Milley said.

The general also responded to a question regarding how the United States might strengthen its position in Europe, in light of recent Russian activities.

"We need to increase ground forces" and deploy them on a rotational basis, Milley said, which would reassure allies and deter Russian aggression.

Already, he said, the Army is moving out on that, as well as placing activity sets and prepositioning equipment in Europe.

Besides Russia, he said, there are other countries that "each in their own different way represents security threats to the United States."

Chattanooga Shootings

Regarding the July 16 shootings in Chattanooga, Tennessee, Milley extended his condolences to the families of the four Marines and a sailor who were killed in the "horrible tragedy."

Citing other recent attacks on military personnel in the United States, including the attacks on Fort Hood, Texas, and the Navy Yard in Washington, D.C., another lawmaker asked if Milley thinks military personnel should be armed so as to be able to defend themselves from such attacks.

Milley said force protection is a key task for commanders at all levels and steps should be taken to defend personnel. He noted that guidance on a variety of active and passive measures has been put out by U.S. Northern Command, but the details are sensitive and he could not go into them during an open hearing.

Without going into the specifics of the guidance, Milley said, there are a number of prudent steps that could be taken to protect service members, who work in public locations, such as at recruiting stations. One possible measure involves installing bullet-proof glass. Another includes working more closely with local law enforcement to anticipate or head off attacks.

But "as far as arming recruiters go[es], I think it's complicated legally," the general said.

A senator said that Congress could resolve any related legal issues and pressed Milley for his own thoughts on arming uniformed personnel, who work in high-profile venues such as at recruiting stations.

"Under certain conditions, both on military installations and recruiting stations, we should seriously consider it, and, in some cases I think it's important," Milley said.

Women in Ranger School

Asked about how women are doing in the Ranger Course, Milley noted that as of July 20, three women were in the second, or "mountain phase," of the three-phase course. The Ranger Course is difficult, he added, whether the soldier is male or female. Less than half of those who enter the Ranger Course, he said, will eventually graduate from it.

Questioned as to why no woman has yet completed the course, Milley said that since combat arms units have traditionally been filled by males, females have had limited opportunities to do patrolling and other types of training that would be especially advantageous to completing the course.

Milley said that in time, as more women go into the combat arms specialties that were previously open only to men, he expects women will gain the experience necessary to successfully complete the course.

The general said the U.S. Army Training and Doctrine Command continues to evaluate opening up new positions for women in combat arms. He told lawmakers that when those positions are opened to women, the standards are not being lowered.

Allaying doubts about the capacity for women to perform in combat arms, the general pulled on his own experience leading men and women in combat in both Iraq and Afghanistan.

"They've been doing it for 10 years," he said, of female soldiers being involved in combat.

Combating Sexual Assault

Milley told lawmakers that there are indications that the prevalence of sexual harassment and assault has decreased in the Army, while at the same time reporting of those crimes has gone up. This indicates increased trust in the chain of command, he said.

The important thing is to prevent an incident from occurring or intervene up front, and that means changing the culture and educating the force, he continued, referring to bystander intervention.

If an incident does occur, the responsibility is for leaders to protect the alleged victim, the general said. And then, he added, to fully investigate and hold perpetrators accountable.

"The key is using the chain of command, and all of us have to be fully engaged," he said. "An engaged commander makes the difference between success and lack of success."

Milley noted that despite a decline in incidents of sexual assault, there remains a problem of retaliation against victims.

"We have to literally be our brothers' and sisters' keeper," he said.

Cost-saving Measures

One lawmaker said he was concerned about the number of highly paid contractors working alongside soldiers. He suggested that those positions should instead be given to those in the reserves and the National Guard.

Milley said he intends to reduce the number of government contractors. He said he also plans on streamlining bureaucracy, where his authorities allow him to do so. He noted that when he was commander of the International Security Assistance Force Joint Command in Afghanistan in 2013 and 2014, there were about one-and-a-half contractors for every soldier serving there.

A senator asked the general's opinion on the Army's Aviation Restructure Initiative. The ARI is a cost-cutting plan that, in part, moves AH-64 Apache helicopters from Army National Guard units to active-duty Army units. In return, Guard units will get Black Hawk helicopters from the active Army, which are deemed more appropriate for National Guard state-support missions.

The general said that ARI would result in significant savings to the service. He said Government Accountability Office documents show that ARI, once fully executed, would save $1.09 billion a year.

Despite steps that the Army has taken to cut costs, such as ARI, he said the prolonged implications of sequestration and the recent 40,000-member force reductions have had a severe impact on readiness.

Regarding acquisition, Milley said he intends to hold himself and his office "responsible and accountable" for more prudent spending habits.

"We need to link requirements to resources and acquisition," he said

SecAF pays first visit to Ellsworth

by Senior Airman Hailey Staker
28th Bomb Wing Public Affairs


7/22/2015 - ELLSWORTH AIR FORCE BASE, S.D. -- Secretary of the Air Force Deborah Lee James visited Ellsworth for the first time July 19 to 21, interacting with the men and women who make the 28th Bomb Wing a success.

During her trip, she explored several historic sites in the Black Hills, and toured various units across base, experiencing Ellsworth's mission and community firsthand.

"It is an enormous honor and privilege for me to be able to stand before you, and it is something I take very seriously when I get out and about around the country and the world to see our Air Force in action," James said.

While at Ellsworth she was able to fly in a B-1 bomber, where she observed one of its primary capabilities - close air support - which aviators from Ellsworth have been employing for nearly a decade in support of combatant commanders.

Highlights of the Secretary's visit included a tour of the 28th Medical Group, where she met with Airmen from many squadrons to receive briefings on programs and innovations, such as Cold Spray technology, a new process for repairing metals that has been utilized in Ellsworth's maintenance group for several years.

She also spent time with the 432nd Attack Squadron, and spoke on issues surrounding the remotely piloted aircraft community and how leaders are combating low retention rates and stressors.

James touched on these points and other related Air Force issues while addressing Ellsworth Airmen at an all-call Monday afternoon. She provided an update on Air Force policy changes and outlined her priorities as Secretary of the Air Force, followed by a question and answer session.

"The three top priorities I am always focused on are taking care of people, balancing the needs of readiness today with the Air Force of tomorrow, and making every dollar count," James said.

The Secretary was accompanied by her spouse, Frank Beatty, who spent part of his time learning about the support the 28th BW provides to its Airmen and families. He met with Youth Center staff to discuss child care programs, visited the Airmen's Ministry Center known as Higher Grounds, and toured the Bone Yard thrift store.

James thanked Ellsworth's Airmen for their contribution to the Air Force.

"What I ask of all of you is please continue to do what you do best," James said. "You are making a difference in a troubled world. Please continue to focus on the mission, focus on each other and focus on family."

Vet clinic supports MWD program with care, training

by Airman 1st Class Dillian Bamman
23rd Wing Public Affairs


7/22/2015 - MOODY AIR FORCE BASE, Ga. (AFNS) --   Military working dogs require extensive medical care to keep their noses in good working condition to help sniff out drugs and explosives and aid in base security.

To ensure these canines are up for the task, the 23rd Aerospace Medicine Squadron Veterinary Services Flight supports Moody's MWDs by maintaining their preventative care.

"Our primary mission is to provide medical care for the military working dogs," said Army Capt. (Dr.) Allison Brekke, the 23rd AMDS officer in charge of veterinary services. "We maintain their preventative care through vaccinations, parasite control and general wellness screenings to keep them fit to fight.

"We also run a vet clinic on base as a means to keep up our medical skills, so we can continue to provide care to the working dogs," she added.

The MWD handlers interact with the vet clinic regularly for checkups and to receive medical training for their companions.

"We conduct, at a minimum, quarterly training (with the MWD handlers)," Brekke said. "The working dogs are like any other animal and cannot be operated on for training purposes ... but when they come in for their procedures, we try to get the handlers engaged with the medical processes."

Within austere environments like a deployed location there might not be a veterinarian available, so the MWD handlers may need to provide medical care to their K-9s to help save its life.

"In the field, we need to have the ability to recognize when our (working dog) isn't feeling right," said Staff Sgt. Nicholas Bonello, a 23rd Security Forces Squadron MWD trainer. "Having the training to identify what is wrong with our working dogs can be the difference in saving their life."

Even if the dog makes it through unscathed, the aftermath of a deployment can take a toll on them. As a precaution, the clinic checks the canines for post-traumatic stress disorder upon their return.

"PTSD is very common in working dogs," Brekke said. "We screen for it post-deployment and have training for recovery. If we observe any signs of PTSD, we consult with a behaviorist to get them the help they need."

If an emergency occurs with MWDs, like a PTSD panic attack, the clinic's Army technicians remain on call to provide them immediate care when necessary.

"What is asked of my technicians is far beyond what you'd expect from their job," Brekke said. "They're fully committed to the job, not because of the pay and benefits, but because they care about the dogs as much as I do."

Even through long hours to ensure the dog's operational health, the technicians continue to help the MWD handlers keep the dogs smiling, according to Brekke.

"We have a really friendly working dog population (here)," Brekke said. "I think that comes from the handlers and kennel masters dictating their kennel environment and care."

MWD handlers and their canines oftentimes build strong bonds of companionship, and for Bonello, trusting someone with his canine is a big deal.

"We definitely have a good working relationship with (the vet clinic here)," Bonello said. "I trust them with my dog because they're who we look for when we need help."

'We are family, we are different'

by Staff Sgt. Jarad A. Denton
501st Combat Support Wing Public Affairs


7/21/2015 - RAF CROUGHTON, United Kingdom -- "I had no idea what being a military spouse was all about."

Betty Welsh smiled, and explained how she grew from a girl who lived with her family until she was 22, into an Air Force spouse and wife of Gen. Mark A. Welsh III, Air Force Chief of Staff.

"I love to travel, and thought my life as a military spouse would be a great adventure of moving, traveling and meeting people, which it has been," she said. "Make sure you embrace each and every place you live. Enjoy each place that is special, the people you get to meet and the friends you establish there."

Speaking to a group of key spouses from the 501st Combat Support Wing at RAF Croughton, United Kingdom, July 16, Welsh encouraged them to reach out to other spouses new to the wing or to the military.

"I had no idea how much the Air Force would be a family to me," Welsh said. "I had grown up with my family. I had not experienced that type of situation before. It was a surprise to me."

Welsh said new military spouses might be met with a similar surprise, which can be perceived positively or negatively. She emphasized the importance of key spouses acting as a liaison between military spouses and base leadership and resources, and fostering strong ties between spouses and the Air Force.

"Encourage them to embrace the Air Force family, because we are family, we are different," she said. "If I can reach out make spouses feel like the Air Force is their family, and I do nothing else, my job is done."

Key spouses, Welsh said, are charged with keeping military spouses informed, and pointing them in the right direction if they need help. At its core, the key spouse program is about making and maintaining connections.

"If people feel isolated or alone, then they start having that feeling of disconnection and loneliness," she said. "A  key spouse can reach out to every spouse in the squadron - every family, and help to close that gap."

Praising the accomplishments of key spouses both at the 501st CSW and across the Air Force, Welsh said she has been continuously impressed by the dedication and passion of these volunteers. Looking ahead, she sees a bright future for the program and the people involved in it.

"The program only started in 2009, and already the key spouses have done an amazing job," she said. "I would like the program to continue its growth to where every spouse in the Air Force feels like they have a contact, someone they can go to with a connection back to the squadron."

Whether the spouse is new to the military, or an installation, Welsh said she wants key spouses to serve as a steadfast link and helping hand - showing military spouses that even though they may be separated from their family, another one awaits them in the Air Force.

"That's all we really want," Welsh said. "For everyone to feel like the Air Force is their home too."

Tuesday, July 21, 2015

JSTARS Airmen welcome ANG Command Chief Hotaling

by Senior Master Sgt. Roger Parsons
116th Air Control Wing Public Affairs


7/20/2015 - ROBINS AIR FORCE BASE, Ga. -- The Air National Guard's top enlisted advisor spent the day with Airmen from the 116th Air Control Wing, Georgia Air National Guard, sharing key messages from his Aim Points and listening to their concerns during his visit here, July 16.

During his visit, Chief Master Sgt. James W. Hotaling, command chief of the Air National Guard, focused on personal interaction with Airmen, conducted two town hall style meetings and met with key enlisted leadership councils and Airmen resiliency representatives.

"There are three things that I think are effecting the Air National Guard right now from an enlisted perspective that we have to get our arms around," shared Hotaling during the enlisted town hall meetings.

"We have to recommit to the profession of arms, ... we need to really be concerned about the health of our force, ...  and recognizing and embracing how awesome you are here at the Georgia Air National Guard and the 116th", said Hotaling.

Each town hall meeting ended with a question and answer session where the chief opened the floor for Airmen to ask anything that was on their minds.

"It was nice having the Chief of the Air National Guard come down and talk to us said," Tech. Sgt. Ronnie Stevens, an airborne radar technician with the 129th Combat Training Squadron. "It was really about getting the Georgia Air National Guardsmen to remember where they came from."

After an early morning session with the Airmen, Hotaling took the opportunity to put one of his key messages in action as he recognized five Airmen; presenting them with his personal challenge coin for their contributions to the JSTARS and Air National Guard missions.

"I was proud to be recognized by the Command Chief of the Air National Guard," said Staff Sgt. Johnathan Strand, a surveillance radar technician with the 116th Aircraft Maintenance Squadron. "He told me we were images of what the Air National Guard represents and to keep up the good work."

Another group of selected Airmen from both the 116th ACW and the 202nd Engineering Installation Squadron got some face-to-face time with the chief over lunch.

While sharing the story of his career, Hotaling told how he achieved his personal goals leading to the ANG's top enlisted spot.

"Those were personal goals, but they were all built off of solid foundational leadership," said Hotaling. "To be successful in your career it's all laid out there for you. It's a matter of you executing it."

As the day came to a close, Hotaling pointed to the American flag and the wing's newest Airmen to give the audience some perspective during an afternoon town hall meeting.

"You need to look at two things in this room that are probably the most important things," said Hotaling.  "The flag that's in the corner and that young Airmen right there," pointing to Airman 1st Class Willow Gragg, 116th Security Forces Squadron.

"That's what it's all about. We're doing it for that," pointing to the American flag, "and we're doing it with Airmen."

The 116th Air Control Wing is the sole location for the E-8C Joint STARS flying operation providing manned battle management, command and control, intelligence, surveillance and reconnaissance support to combat commanders around the globe.

Arizona Airmen memorialize fallen Iraqi fighter pilot

by 2nd Lt. Lacey Roberts
162nd Wing Public Affairs


7/16/2015 - TUCSON, Ariz. -- Members of the Arizona Air National Guard's 162nd Wing honored the life and memory of Iraqi Air Force Brig. Gen. Rasid Mohammed Sideeq Hasan during a memorial service here July 7.

Hasan died June 24 after his F-16 Fighting Falcon crashed near Douglas, Arizona, during a night training mission.  He trained with Air Guard members at Tucson International Airport since 2010.

"General Hasan devoted 25 years of service to his country," said Col. Phil Purcell, commander of the 162nd Wing.  "We have lost one of our own and we grieve with his family and countrymen."

During the service each speaker expressed the significance of the sacrifices and dedication to service that he made in his quest to become an F-16 pilot.

Every fighter pilot works hard to acquire the skills necessary to employ an F-16, but he did it worlds away from his home, his wife and his children, said Purcell.

Among those in attendance were other Iraqi student pilots.

"General Hasan was our brother and leader," said one Iraqi pilot. "He made sacrifices for us during his time with us. By his outstanding example, he gave us strength and inspiration. He was dedicated to the Iraqi pilot training program here and each of the fighter pilots training with him."

As he contemplated the idea of one day returning home, he wanted to stay in Tucson for his fellow airmen, said Lt. Col. Brant Putnam, commander of the 152nd Fighter Squadron, speaking of his last conversation with Hasan.

Putnam assured each Iraqi pilot that the 162nd Wing would continue to take care of them.  He also challenged them to help fulfill Hasan's vision for Iraqi fighter pilots.

"Hasan said that his wish was for Iraqi pilots to be focused and work together in Tucson, so they could fly and fight as one cohesive unit," said Putnam. "In so doing, you will become the fighting force your country sent you here to become; and the best part of all is that you will grant General Hasan his wish."

Hasan will eternally be remembered at the 162nd for giving the ultimate sacrifice. His name was engraved on the wing's granite memorial wall for all to see and pay tribute.

Iraqi pilots here said their final farewell to their wingman on July 11, when Hasan was transported home for his final resting.

"We take great pride in knowing the man and his commitment to family and countrymen. May he rest in peace," said Purcell.

Total force effort ensures successful typhoon evacuation

by Senior Airman Orlando Corpuz
154th Wing Public Affairs


7/17/2015 - JOINT BASE PEARL HARBOR-HICKAM, Hawaii  -- A C-17 Globemaster III cargo plane and crew  from the Hawaii Air National Guard evacuated more than 125 Department of Defense members from Wake Island, July 14, 2015.

The evacuation was executed as Typhoon Halola, which at the time was packing sustained winds in excess of 100-mph had a forecasted track that took it dangerously close to the isolated atoll located roughly 2300 miles west of the Hawaiian Islands.

Wake Island functions as a divert airfield or primary stopping point for cross-Pacific military flights. At any one time, more than 100 DoD personnel are on station to maintain and operate the airfield there.

It was planned to be a routine training day with roughly 3 hours of flying time around the Hawaiian Islands for the all guard crew who reported for duty that morning. Upon learning of the real world assignment, the crew sprang into action.

"We train for the unexpected. When leadership tasked us with the emergency evacuation of Wake Island, so many things go through your mind. Are we ready for this mission?  What dangers should we be aware of?" said aircraft commander, Capt. Skip Saito with the 204th Airlift Squadron.

"All questions aside, we were confident and ready to execute anything that was brought to us. That is what we train for."

The crew of 5 took off from Honolulu at 11am and roughly 4.5 hours later landed on Wake Island. With engines still running, Wake Island personnel and their personal effects were loaded onto the C-17. The C-17 was airborne just over 1 hour after landing, this time with a flight plan taking it to Andersen, AFB in Guam, where the evacuees would remain until the storm passed.

"As a Hawaii Air National Guard crew we are here for relief and humanitarian support in the event natural disaster hits the state of Hawaii. Expanding our support to the territories of the United States of America shows that we are not limited in what we do" said, Saito.

An evacuation mission such as this highlights Pacific Air Force's flexibility to generate air response quickly across the theater, a key component to air power.

"This was an exceptional team effort utilizing guard, active, and civilian members of our Air Force to safeguard life and property" said Air Force Col. Gregory Woodrow, vice-commander of the 154th Wing, Hawaii Air National Guard. "We are all extremely proud of the professionalism and can do attitudes displayed by all."

Canadian Detachment welcomes new commander

by John Parker
Tinker Public Affairs


7/21/2015 - TINKER AIR FORCE BASE, Okla. -- The 552nd Air Control Wing Canadian Detachment gained a new commander last week.

Lt. Col. Don "Boc" Saunders took the reins from Lt. Col. Pete "Dozer" Dozois at a Tinker Club ceremony July 10.

Canadian Armed Forces Brig. Gen. Alain Pelletier, deputy commander of the Continental United States NORAD (North American Air Defense) region, said Colonel Saunders brings "vast experience in the command and control domain" to his new command.

"He knows the mission, knows the aircraft, knows some of you and is eager to get to work," the general said at the ceremony. "To you and Shannon (the colonel's wife) and to the whole family, we wish you a happy return to the 552nd wing and all the best in your command."

The Canadian ceremony was similar to those of the U.S. Air Force except for a few remarks in French, some Canadian accents and a bagpiper leading in and exiting the official party. Instead of passing a guidon, the three commanders simultaneously signed change of command certificates at a table at center stage.

Colonel Saunders previously served at Tinker AFB with the 964th Airborne Air Control Squadron, logging over 1,200 hours on E-3 Airborne Warning and Control System aircraft.

He has served in the Canadian and Alaskan NORAD defense sectors, ending his Alaskan tour as the region's chief of Command and Control Standards and Evaluation.

Colonel Saunders has also held the posts of deputy commanding officer of 21 Aerospace Control and Warning Squadron and commander of 51 Aerospace Control and Warning Squadron in North Bay, Ontario.

Colonel Saunders told detachment members that "Tinker is the only place that you can come to get an opportunity to be the best at what you have trained to do in your career." A Tinker posting is the best job available for members in the AWACS field, he said.

"It's an exclusive club because we only send our best here," Colonel Saunders said. "Someone along the way has identified each and every one of you and said you're the best at what you do, and that's why you're here. So to get a chance to be a commander of this unit is truly an honor."

General Pelletier said Colonel Dozois focused on readiness and meaningful contributions by the 42-member detachment to the 552nd ACW mission during his nearly three-year command. The colonel also focused on the detachment's charge to represent Canada, he said.

"You've put the right level of emphasis on the readiness of those troops and for that I'm really appreciative," the general said. "But you've also done and taken the element of ambassadorship with great pride because, obviously, wearing this uniform we stand out, not only at the front gate, but also in town in what we do."

Colonel Dozois said he is proud of the detachment's achievements as 552nd warriors.

"You have met your wing commander's priorities of combat operational personal readiness at every turn," he said, "and you guys have totally reset the bar for what Wingman readiness is all about in the way that you take care of each other and the way you've built your command and community. Awesome."

The ceremony also included a significant promotion for Chief Warrant Officer Guy Tremblay. The most senior ranking noncommissioned member of the Canadian Forces was commissioned and immediately promoted to captain.

New Jersey Air National Guard trains with Bulgarian air force at Thracian Star 2015

by Master Sgt. Andrew J. Moseley
177th Fighter Wing Public Affairs


7/21/2015 - GRAF IGNATIEVO AIR BASE, Bulgaria -- Approximately 150 Airmen and eight F-16s from the 177th Fighter Wing of the New Jersey Air National Guard traveled overseas to participate in Thracian Star 2015, a Bulgarian-led training exercise at Graf Ignatievo Air Force Base, Bulgaria, from 13-24, July.

Thracian Star is a bilateral, total force training event to enhance interoperability with the Bulgarian air force and to bolster readiness to conduct combined air operations.

"I'm very happy that the representatives of the New Jersey Air National Guard are here," said Bulgarian air force Brig. Gen. Ivan Lalov, Graf Ignatievo Air Base commander. "It is always beneficial for the both sides, and it goes in two directions. First, in the air combat training such as basic flight maneuvers, to make our way of flying similar to each other's and second, while we're not flying, we succeed in developing new relationships, friendships, cultural differences and interesting facts about each other and each other's country."

Flying training deployments are tremendous opportunities for the 177th aircrews to hone their operational skills from a forward operating location.

"The 119th Fighter Squadron is excited to participate in Thracian Star and it is a great opportunity for us to interact with our Bulgarian counterparts, train with them and show them how flying with them will strengthen our NATO alliance," said Lt. Col. Timothy Hassel, 119th Fighter Squadron commander.

"We came over here primarily to do air-to-air training in basic fighting maneuvers and tactical intercepts," said Hassel. "With their aircraft being former Soviet Union designed aircraft, it will give our pilots a chance to fly against an actual MiG vs. a simulated MiG, which we usually have, and give them the chance to train against some NATO aircraft and observe those capabilities."

None of the currently tasked future missions of the 177th have been curtailed at this time.

Final Rule Puts More Teeth Into Military Lending Act



By Terri Moon Cronk
DoD News, Defense Media Activity

WASHINGTON, July 21, 2015 – The Defense Department today closed loopholes to protect U.S. men and women in uniform from predatory lending practices, President Barack Obama said this morning at the 116th Veterans of Foreign Wars National Convention in Pittsburgh, Pennsylvania.

The heightened level of financial and consumer-rights protection against unscrupulous practices, called the final rule of the Military Lending Act, covers all forms of payday loans, vehicle title loans, refund anticipation loans, deposit advance loans, installment loans, unsecured open-end lines of credit and credit cards, DoD officials explained.

“We’re going to keep fighting to give our troops and veterans a chance to enjoy the American freedom you helped defend,” the president told the veterans.

“There’s already a lot to protect our troops and families against unscrupulous predatory lenders, but some of the worst abusers -- like payday lenders -- are exploiting loopholes to trap our troops in a vicious cycle of crushing debt,” Obama said.

“It is the right thing to do,” he said of the new rule.

"With this action, the department takes an important stand against companies that can prey on our men and women in uniform,” Deputy Defense Secretary Bob Work said in a news release after the president’s announcement.

“This new rule addresses a range of credit products that previously escaped the scope of the regulation, compromising the financial readiness of our troops. Today, with our regulatory and enforcement partners, we stand united in support of our service members and their families," he continued.

Final Rule Results From 3-Year Study

The revision began with a three-year study by the Defense and Treasury departments, Federal Trade Commission, and financial regulators such as the Federal Deposit Insurance Corp., Federal Reserve Board, Office of the Comptroller of the Currency, Consumer Financial Protection Bureau and the National Credit Union Administration, DoD officials said.

Congress passed the Military Lending Act in 2006 to provide specific protections for active-duty service members and their families in consumer credit transactions.

Among other protections, the law caps at 36 percent the interest rate on covered loans to active-duty service members, requires disclosures to alert service members of their rights, and prohibits creditors from requiring a service member to submit to arbitration in a dispute.

New Rule Adds Protection

The latest rule allows for industry compliance by Oct. 1, followed by a staggered implementation period, DoD officials said.

The rule will help protect all active-duty service members and their families from committing to loans with excessive fees and charges.

Service members still will have access to no-interest loans, grants, and scholarships from the four military relief societies, and not all credit products will be affected by the regulation -- notably residential mortgages and purchase-money loans to buy cars, for example, which are excluded from the MLA’s definition of consumer credit, officials said.