Authorities Cited: United States Code 15 U.S.C. § 1601 15 U.S.C. § 1601(b) 15 U.S.C. § 1602(a) 15 U.S.C. § 1667 15 U.S.C. § 1667(1) Code of Federal Regulations 12 C.F.R. § 213.4(g) Supreme Court 533 U.S. 929 Circuit Courts 482 F.2d 590, 593 569 F.2d 845, 848 748 F.2d 1486, 1489-1490 954 F.2d 634, 636 18 F.3d 434, 436 20 F.3d 424, 426 160 F.3d 703, 707 180 F.3d 451, 454 226 F.3d 214, 217-218 44 F. Supp. 2d 442 145 F. Supp. 2d 206, 210 844 F. Supp. 1289, 1292 941 F. Supp. 669, 672 953 F. Supp. 958, 969