Authorities Cited: United States Code 9 U.S.C. § 1 15 U.S.C. § 1601 15 U.S.C. § 1640 15 U.S.C. § 1640(a) 15 U.S.C. § 1640(a)(2)(B) 15 U.S.C. § 1691 15 U.S.C. § 1691(a) 15 U.S.C. § 1691(a)(3) 28 U.S.C. § 636(c) Code of Federal Regulations 12 C.F.R. § 202.4 Supreme Court 256 U.S. 350, 358 438 U.S. 59, 81 461 U.S. 95, 102 468 U.S. 737, 755 473 U.S. 614, 105-628 482 U.S. 220, 107-227 495 U.S. 149, 158 500 U.S. 20, 26-29 500 U.S. 72, 77 504 U.S. 555, 560-561 521 U.S. 811, 819 Circuit Courts 498 F.2d 3 511 F.2d 114, 117 650 F.2d 760, 771 661 F.2d 1206, 1207 704 F.2d 929, 933 823 F.2d 1476, 1482 887 F.2d 275, 297 55 F.3d 1517, 1524 101 F.3d 1423, 1427 134 F.3d 1054, 1060-1062 145 F.3d 1240, 1244 166 F.3d 1114, 1116-1117 178 F.3d 1149, 1157-1159 193 F.3d 1342, 1346-1347 225 F.3d 366, 377-378 102 F. Supp. 2d 1345, 1349-1350 476 F. Supp. 758 584 F. Supp. 1306