Volume 9
Strict Liability Under TILA
One of the most important principles in Truth in Lending enforcement is that intent does not determine liability.
Volume 9 explains how TILA operates as a strict liability statute, meaning violations occur when the law’s disclosure requirements are not met — regardless of explanation or intent.
Inside this volume:
• The meaning of strict liability in lending law
• Why intent is legally irrelevant
• Mechanical enforcement of disclosure rules
• Compliance vs explanation
• Structural accountability for creditors
This volume helps readers understand how the law enforces disclosure compliance objectively.
