Authorities Cited: United States Code 15 U.S.C. § 1601 15 U.S.C. § 1604(a) 15 U.S.C. § 1604(b) 15 U.S.C. § 1638(a)(2)(B) 15 U.S.C. § 1640(f) Code of Federal Regulations 12 C.F.R. § 226(c)(1) 12 C.F.R. § 226.18(c)(1) 12 C.F.R. § 226.18(c)(2) 12 C.F.R. § 226.819 Supreme Court 428 U.S. 106, 121 444 U.S. 555, 559-560 Circuit Courts 544 F.2d 1228, 1232 546 F.2d 73, 77 572 F.2d 544, 546 661 F.2d 1206, 1209 881 F.2d 1570, 1573 965 F.2d 952, 955 24 F.3d 1307, 1312 112 F.3d 283, 285-286 113 F.3d 196, 198 174 F.3d 1271, 1281 179 F.3d 286, 292-294 888 F. Supp. 894, 896