Authorities Cited: United States Code 15 U.S.C. § 1601 15 U.S.C. § 1601(a) 15 U.S.C. § 1605(c) 15 U.S.C. § 1638(a) Code of Federal Regulations 12 C.F.R. § 226 12 C.F.R. § 226.18 12 C.F.R. § 226.2(a)(13) Supreme Court 355 U.S. 41, 45-46 444 U.S. 555, 568 Circuit Courts 606 F.2d 499, 505 661 F.2d 1206 739 F.2d 1415, 1419-1420 850 F.2d 1506, 1509 864 F.2d 1261, 1265 884 F.2d 1362, 1364 950 F.2d 643, 646-647 954 F.2d 645, 648 992 F.2d 1171, 1174 158 F.3d 1164, 1166 160 F.3d 703, 707 219 F.3d 79, 83 296 F.3d 1050, 1053 311 F.3d 1087, 1090 319 F.3d 119, 123-124 334 F.3d 1246, 1247 358 F.3d 840, 845 Federal Rules of Appellate Procedure Fed. R. App. P. 4(a)(1)(A) Fed. R. App. P. 4(a)(4) Federal Rules of Civil Procedure Fed. R. Civ. P. 5(e) Fed. R. Civ. P. 12(b)(6) Fed. R. Civ. P. 59(e) 242 F. Supp. 2d 1322, 1330 245 F. Supp. 2d 1235 423 F. Supp. 979 506 F. Supp. 286 584 F. Supp. 1306