From e5941d5b23660da4a1c04cfff9e4e7c45f2334e4 Mon Sep 17 00:00:00 2001
From: Ed Hennis <ed@ripple.com>
Date: Tue, 9 Sep 2025 16:29:35 -0400
Subject: [PATCH] Simplify flag exclusion check in LoanManage

---
 src/xrpld/app/tx/detail/LoanManage.cpp | 13 ++-----------
 1 file changed, 2 insertions(+), 11 deletions(-)

diff --git a/src/xrpld/app/tx/detail/LoanManage.cpp b/src/xrpld/app/tx/detail/LoanManage.cpp
index a23c18c269..82cb00917c 100644
--- a/src/xrpld/app/tx/detail/LoanManage.cpp
+++ b/src/xrpld/app/tx/detail/LoanManage.cpp
@@ -64,17 +64,8 @@ LoanManage::preflight(PreflightContext const& ctx)
         return temINVALID;
 
     // Flags are mutually exclusive
-    int numFlags = 0;
-    for (auto const flag : {
-             tfLoanDefault,
-             tfLoanImpair,
-             tfLoanUnimpair,
-         })
-    {
-        if (ctx.tx.isFlag(flag))
-            ++numFlags;
-    }
-    if (numFlags > 1)
+    auto const flags = ctx.tx[sfFlags] & tfUniversalMask;
+    if ((flags & (flags - 1)) != 0)
     {
         JLOG(ctx.j.warn())
             << "LoanManage: Only one of tfLoanDefault, tfLoanImpair, or "