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action Administrator agreement amount financed annual percentage rate apply Article assignee bank credit card bankruptcy billing cycle buyer cash price CCPA clauses cognovit collateral Commercial Code computed consumer credit legislation consumer credit sale consumer credit transaction consumer loan Consumer's cost court credit bureau credit insurance credit report credit service charge creditor cross-collateral dealer debt debtor default deficiency judgment disclosed disclosures required discount extension of credit Federal Federal Trade Commission fees finance company garnishment imposed installment contract installment sales judgment lease lender liability limits loan finance charge ment merchant mortgage notice obligation open end credit payable payment penalty percent person premium prohibits provisions purchase pursuant rate ceilings rebate refinancing Regulation repossession respect retail rule scheduled Section security interest seller statement statute subsection sumer term tion Truth-In-Lending Truth-In-Lending Act unconscionable Uniform Commercial Code unpaid balance usury violation warranty