Consumer Credit Regulation: 7.7.8.1b.2 Card issuer subject to consumer’s defenses against merchant
TILA provides that a credit card issuer is subject to all claims (except tort claims) and defenses of a consumer against a merchant when the consumer uses a credit card as a method of payment or extension of credit, if certain conditions are met.587 This subsection briefly summarizes these protections, but greater detail is found in NCLC’s Truth in Lending.588