Truth in Lending: 12.4.9 Governmental Agencies Acting as Creditors
Although technically creditors, federal, state, and local agencies and departments—with some exceptions—are not liable for any civil or criminal penalty for TILA violations.711 This governmental exemption from liability is narrowly interpreted in light of the purposes of TILA.712 One court has noted, in dicta, that injunctions may be available against governmental agencies.713