Truth In Lending Act (TILA)

Troutman Sanders’ Financial Services Litigation practice offers extensive experience in representing national, regional, and local clients in defense of claims involving alleged violations of TILA. Our experience includes representation of national, regional, and local banks, mortgage lenders and servicers, loan originators, and post-origination assignees. We have successfully defended borrower lawsuits seeking damages and rescission based on alleged violations of TILA and Regulation Z, including claims alleging non-receipt of material disclosures and/or the notice of right to rescind, inaccurate material disclosures, improper notice forms, improper calculation of finance charges, and confusing or inconsistent loan documentation.

Our experience in TILA cases includes advising and representing clients throughout the entire litigation process, including pre-litigation correspondence with borrowers, the initial pleadings stage, discovery, trial, post-trial motions, and appeals. Our attorneys provide ongoing analysis and commentary on developments in the consumer financial services industry on the Consumer Financial Services Law Monitor located at

  • Counsel for numerous banking institutions and mortgage loan servicers with respect to claims asserted by defaulting borrowers under the Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA) and Regulation B, Truth in Lending Act (TILA) and Regulation Z, and state analog statutory obligations.
  • Defended retailer in California against claims alleging unfair and deceptive selling practices, illegal contract terms, false “savings” and “free” claims, bait and switch advertising, and TILA violations.
  • Defended retailer in connection with a lawsuit in California alleging credit disclosures made for private label credit card violated TILA.
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