Volume 2
The Coverage Gatekeeper Principle
Before any TILA claim can exist, one question must be answered:
Does the law apply to the transaction at all?
Volume 2 explains the Coverage Gatekeeper Principle, the first and most critical discipline in Truth in Lending analysis.
Many claims fail not because disclosures were correct, but because the transaction never triggered TILA coverage in the first place. This volume teaches readers how to screen transactions and determine whether a credit arrangement falls within the statute’s scope.
Inside this volume:
• The concept of statutory coverage
• Why most TILA cases fail before they begin
• The Lawman Screening Sequence
• Person → Credit → Purpose → Finance Charge → Exclusions → Jurisdiction
• How courts determine whether TILA applies
Understanding coverage is the first step toward proper analysis of any lending transaction.
