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Truth in Lending

An essential litigation tool for mortgages, auto loans, credit cards, and high-cost loans

  • The most authoritative discussion of TILA rescission rights, including analysis of Supreme Court's Jesinoski ruling and the deadline to exercise the right of rescission
  • Regulation Z rules covering kickbacks to mortgage originators, higher cost mortgage loans, and HOEPA loans
  • The Fair Credit Billing Act and other rights of credit card holders
  • Statutory damages of $5,000 and more for credit cards, $4,000 and up for mortgage loans, and $2,000 for auto loans and leases, plus attorney fees for prevailing consumers


Expert Analysis of the Latest Developments

  • Practice pointers, including dealing with Supreme Court’s recent Article III standing requirements set forth in Spokeo v. Robins and Transunion v. Ramirez
  • Powerful applications to emerging forms of credit, such as Property Assessed Clean Energy (PACE) loans, earned wage access, income share agreements, and rent-to-own home transactions
  • The latest on TILA/RESPA integrated mortgage disclosures, TILA mortgage servicing rules, and mortgage loan transfers


The Most Complete TILA Practice Package Anywhere

  • Over 150 sample pleadings—see an example here
  • Fully up-to-date statute, Regulation Z, and Official Staff Interpretations
  • Over 50 years of TILA Federal Register interpretations organized by subsection
  • An APR calculator
  • Expanded TILA legislative history



"There are no other resources that we count on to get us to the right answer as often and as quickly as NCLC's manuals." —Robert S. Green, Green Welling, LLP, San Francisco, CA

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National Consumer Law Center

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2023 11th ed.

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