Authorities Cited: United States Code 9 U.S.C. § 2 12 U.S.C. § 2607(a) 12 U.S.C. § 2607(d)(5) 15 U.S.C. § 1638 15 U.S.C. § 1640(a) 15 U.S.C. § 1640(a)(3) Code of Federal Regulations 12 C.F.R. § 226.18 12 C.F.R. § 226.4 Supreme Court 417 U.S. 506, 519 460 U.S. 1, 24 473 U.S. 614, 628 500 U.S. 20, 24-28 520 U.S. 1, 5 531 U.S. 79, 90 534 U.S. 279, 289 537 U.S. 79, 123 Circuit Courts 110 F.3d 222, 232 120 F.3d 1181, 1186 122 F.3d 1355, 1359 134 F.3d 1054 135 F.3d 27, 33 147 F.3d 1316, 1317-1318 217 F.3d 1319, 1321 233 F.3d 1331, 1338 236 F.3d 1292, 1301-1302 253 F.3d 611, 617 253 F.3d 1083, 1086 253 F.3d 1280 294 F.3d 1275 300 F.3d 1278, 1280 311 F.3d 1077, 1080 316 F.3d 1203, 1207 325 F.3d 1255 328 F.3d 1165, 1179 334 F.3d 721, 726 338 F.3d 801, 807 108 F. Supp. 2d 666, 669