From 669617af99af7684e8bbb7ab522ada7e8ea083ae Mon Sep 17 00:00:00 2001
From: Ed Hennis <ed@ripple.com>
Date: Fri, 17 Apr 2026 19:06:52 -0400
Subject: [PATCH] Cap the base fee for LoanPay based on
 loanMaximumPaymentsPerTransaction

---
 src/libxrpl/tx/transactors/lending/LoanPay.cpp | 3 +++
 1 file changed, 3 insertions(+)

diff --git a/src/libxrpl/tx/transactors/lending/LoanPay.cpp b/src/libxrpl/tx/transactors/lending/LoanPay.cpp
index d81d9ebda2..59bb350a35 100644
--- a/src/libxrpl/tx/transactors/lending/LoanPay.cpp
+++ b/src/libxrpl/tx/transactors/lending/LoanPay.cpp
@@ -132,6 +132,9 @@ LoanPay::calculateBaseFee(ReadView const& view, STTx const& tx)
 
     auto const regularPayment = roundPeriodicPayment(asset, loanSle->at(sfPeriodicPayment), scale) +
         loanSle->at(sfLoanServiceFee);
+    if (view.rules().enabled(fixSecurity3_1_3) &&
+        amount >= regularPayment * loanMaximumPaymentsPerTransaction)
+        return loanMaximumPaymentsPerTransaction * normalCost;
 
     // If making an overpayment, count it as a full payment because it will do
     // about the same amount of work, if not more.