Truth in Lending

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

Core TILA Rights, Damages & Mortgage Rules

• Evasive New Products: TILA’s definition of “credit” and how it applies to innovative fin tech, earned wage advance, and home equity investment loan contracts.
• Rescission Rights: Authoritative analysis of TILA rescission rights, required deadlines, and the Supreme Court’s Jesinoski ruling.
• Mortgage Regulations: Regulation Z rules covering mortgage originator kickbacks, higher-cost mortgages, HOEPA loans, TILA/RESPA integrated disclosures, mortgage servicing rules, and loan transfers.
• Credit Card Protections: Fair Credit Billing Act rights and other credit card holder protections.
• Statutory Damages & Fees: Recovery strategies for statutory damages ($5,000+ for credit cards, $4,000+ for mortgages, $2,000 for auto loans/leases) and attorney fees for prevailing consumers.

Emerging Credit & Litigation Developments

• Article III Standing: Litigation practice pointers for navigating Supreme Court standing requirements from Spokeo v. Robins and TransUnion v. Ramirez.
• Emerging Credit Products: Applications to Property Assessed Clean Energy (PACE) loans, earned wage access, income share agreements, and rent-to-own home transactions.
• Judicial Estoppel: Discussion of the U.S. Supreme Court’s 2026 Keathley decision narrowing this defensive doctrine.

Practice Tools & Reference Package

• Litigation Tools: Over 150 sample pleadings and an APR calculator.
• Primary Sources: Fully up-to-date TILA statute, Regulation Z, and Official Staff Interpretations.
• Historical Resources: Over 50 years of TILA Federal Register notices (organized by subsection) and expanded legislative history.

Praise

"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