Authorities Cited: United States Code 15 U.S.C. § 1601 15 U.S.C. § 1681 15 U.S.C. § 1693(b) Code of Federal Regulations 12 C.F.R. § 205 12 C.F.R. § 205.16 12 C.F.R. § 205.16(b) 12 C.F.R. § 205.16(b)(1) 12 C.F.R. § 205.16(c)(1)(ii) Supreme Court 534 U.S. 438, 450 Circuit Courts 793 F.2d 315, 318-319 163 F.3d 948, 950 225 F.3d 366, 379 368 F.3d 726, 730 455 F.3d 612, 619 Federal Rules of Civil Procedure Fed. R. Civ. P. 56(c) Fed. R. Civ. P. 56(e)(2) 417 F. Supp. 2d 183 457 F. Supp. 2d 82