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Added Laws 1977 advertisement agency agreement amended amount financed annual percentage rate apartment apply audience Band Radio Board card issuer cardholder chapter class action clause commissioner compliance consumer contract consumer lease court credit card credit transaction creditor or lessor damage defense determined disclosed disclosures required draft effective date end credit plan enforce extension of credit extent Federal Federal Communications Commission Federal Trade Commission finance charge Flesch Reading Ease foreclosure Guideline imposed insurance policies landlord legal documents legislation Lending Simplification lessee liability loan means ment notice number of words obligor open end credit organization paragraph parties payment period person plain English Plaintiff policy forms policy or contract premises procedures provisions purpose pursuant readers regulation rent rules security interest seller sentences simplified specific statement Subd subdivision subsection tenant thereof tion total number Truth in Lending understand VHF Marine Radio violation warranty writing written