These disclosure statements must meet the same rules laid out in truth-in-lending laws, since overdraft charges are essentially short-term loans.

因为透支的费用基本上是短期贷款，这些披露声明必须符合《诚信借贷法案》中同样的规则。

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The terms of these penalty fees must be assessed in writing under a federal Truth-in-Lending Act.

罚款期限的评估将依据联邦诚信借贷法案。

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Truth in lending requirements don't apply to federal student loans, they're not subject to bankruptcy protection.

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To accomplish these goals, the CFPB will assess whether nonbanks are conducting their businesses in compliance with federal consumer financial laws, such as the Truth in Lending Act and the Equal Credit Opportunity Act.

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First, make sure the company you are working with is not operating outside the U.S. or on an Indian Reservation, as these companies are not subject to U.S. law and the Truth in Lending Act.

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