; and (B) may not provide lesser protection to consumers than the protection afforded covered members, as defined in section 987 of title 10, United States Code, in applicable provisions in the rules issued by the Secretary of Defense on July 22, 2015, to carry out that section. . (b) Technical and conforming amendment The table of contents for chapter 2 of the Truth in Lending Act is amended by adding at the end the following: 140B. Limitations on consumer credit and maximum rates of interest. . (c) Applicability The amendments made by subsection (a) shall apply to an extension of credit made after the earlier of— (1) the date on which the rules issued by the Bureau of Consumer Financial Protection under subsection (g) of section 140B of the Truth in Lending Act, as added by subsection (a) of this section, require compliance; and (2) the date that is 18 months after the date of enactment of this Act.