H.R. 10439 — Veterans and Consumers Fair Credit Act

This section extends the 36 percent interest rate cap and related protections under the Military Lending Act to most consumer credit transactions. It exempts residential mortgages, purchase-money auto loans, and loans from federal credit unions subject to their statutory usury limit. The section bars Bureau exemptions, sets specific APR calculation rules for open-end credit (with an exception for certain credit card fees), preserves stronger state laws, applies existing penalties, and authorizes state attorneys general and regulators to enforce the requirements with notice to the Bureau.