Authorities Cited: United States Code 12 U.S.C. § 1841(k) 15 U.S.C. § 1601 15 U.S.C. § 1601(a) 15 U.S.C. § 1602(aa)(1)(B)(i) 15 U.S.C. § 1602(aa)(4) 15 U.S.C. § 1602(aa)(4)(C) 15 U.S.C. § 1602(f) 15 U.S.C. § 1604 15 U.S.C. § 1605(e) 15 U.S.C. § 1640(f) 15 U.S.C. § 1641(d)(1) Code of Federal Regulations 12 C.F.R. § 226 12 C.F.R. § 226.2(a)(17) 12 C.F.R. § 226.2(a)(17)(i) 12 C.F.R. § 226.2(a)(17)(ii) Supreme Court 444 U.S. 555, 565-567 467 U.S. 837, 842-843 505 U.S. 469, 476 541 U.S. 232, 238-239 Circuit Courts 269 F.3d 424, 430 326 F.3d 1140, 1142-1143 259 F. Supp. 2d 1143, 1149 372 F. Supp. 2d 576, 582 407 F. Supp. 2d 893, 896 971 F. Supp. 1102, 1109