Authorities Cited: United States Code 15 U.S.C. § 1666(a) Code of Federal Regulations 12 C.F.R. § 226.13(a)(3) 12 C.F.R. § 226.13(e)(1) 46 C.F.R. § 540.2(g) 46 C.F.R. § 540.3 Circuit Courts 872 F.2d 1536, 1543 893 F.2d 1283, 1285 916 F.2d 637, 640 969 F.2d 1013, 1017 169 F.3d 677, 680 277 F.3d 1294, 1296 Federal Rules of Civil Procedure Fed. R. Civ. P. 56(c) 133 F. Supp. 2d 1311, 1316 792 F. Supp. 786, 789 804 F. Supp. 1471, 1481