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Comptroller of the Currency Interpretive Letter 914 (Sept. 1, 2001)

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Indiana Department of Financial Institutions, Overdraft Protection Programs (2002)

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Revised Letter from Colorado Attorney General's Office Re "Discretionary" Automatic Overdraft Privilege (March 21, 2001)

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76 Fed Reg. 11598 (Mar. 2, 2011)

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76 Fed Reg. 18354 (Apr. 4, 2011)

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76 Fed Reg. 22948 (Apr. 25, 2011)

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76 Fed Reg. 27390 (May 11, 2011)

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76 Fed Reg. 31221 (May 31, 2011)

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76 Fed Reg. 35722 (June 20, 2011)

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76 Fed Reg. 35723 (June 20, 2011)

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76 Fed Reg. 43111 (July 20, 2011)

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Sample TIL Complaint for Money Damages

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Fair Credit Billing Act Complaint

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Instructions to Use All Tables

While computer programs are now the most common way to compute an annual percentage rate (APR), an early alternative way sanctioned by the FRB was use of the FRB Annual Percentage Rate tables. This practice tool is the instructions as to their use.  NCLC practice tools also include Volume I to be used to compute APRs for “regular” transactions and for transactions with irregular first payments, irregular first periods, and irregular final payments, and Volume II used to calculate APRs for “irregular” transactions. 

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139 Cong. Rec. H 10500, 10504 (Nov. 21,1994)

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140 Cong. Rec. S 3155, 3158 (Mar. 17, 1994)

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140 Cong. Rec. H 6782 , 6784 (Aug. 4, 1994, Conf. Rep. H.R. 3474)

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140 Cong. Rec. S 11039 (Aug. 9, 1994, Conf. Rep. H.R. 3474)

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Synopsis of 1995 TILA Amendments

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Pub. Law 104-12 (1995 TILA Amendments)

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141 Cong Rec H 4120 (Apr. 4, 1995)

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141 Cong Rec S 5614 (Apr. 24, 1995)