Truth in Lending Civil Suits Lowest Level in Last Decade
(18 Oct 2019) The latest available data from the federal courts show that during September 2019 the government reported 14 new truth in lending civil filings. According to the case-by-case information analyzed by the Transactional Records Access Clearinghouse (TRAC) at Syracuse University, this brings the total to 158 new cases that have been filed over the course of the last twelve months.

Truth in lending cases peaked during FY 2009 when 1,281 new cases were filed in the aftermath of the mortgage crisis. They have fallen since then - with FY 2019 marking the lowest level in the last decade.

The Central District of California (Los Angeles) led the country in FY 2019 with a total of 14 truth in lending suits. Relative to its population size the rate of filings was only modestly higher than the national average. In comparison, the federal judicial district for Connecticut with a total of 10 lawsuits had the highest rate of filings relative to its population size with over five times the national average.

Parties bring truth in lending cases to the federal courts in civil disputes including those under the Fair Credit Reporting Act (15 USC 1681), the Fair Debt Collection Act (15 USC 1692), and other statutory guarantees such as Title 15 USC 1601, the Truth in Lending Act.

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