An Act To Facilitate The Improvement Of Credit Scores Of Residents Of Department Of Corrections Facilities

This bill (LD 97) exempts "credit improvement loans" from standard restitution and fine collection rules for incarcerated individuals in Maine. Specifically, it amends statutes to ensure funds received as credit improvement loans (under Title 34-A, section 3039, subsection 6) are not subject to the usual 25% deduction for restitution or fines paid to victims, courts, or facilities. This directly benefits residents of Maine Department of Corrections facilities who access these loans, as the full loan amount remains available to them. The key mechanism is removing the 25% deduction requirement for these specific loans, allowing incarcerated people to retain the full funds to improve their credit scores.