CIVIL CODE,DIVISION 3,HEADING,PARTICULAR,TRANSACTIONS,ENACTED,TITLE 1,CONSUMER CREDIT,DENIAL,ARTICLE,CREDITOR,REQUIREMENT,SECTION,SHALL,FOR ANY,ACTUAL DAMAGES,SUSTAINED,APPLICANT,FAILURE,GOVERNMENT,GOVERNMENTAL,SUBDIVISION,AGENCY,PUNITIVE DAMAGES,AMOUNT,GREATER THAN,TEN THOUSAND,DOLLARS,ADDITION,EXCEPT,THE CASE,CLASS,ACTION,TOTAL,RECOVERY,EXCEED,FIVE HUNDRED,THOUSAND,OR 1,PERCENT,THE NET,WORTH,DETERMINING,DAMAGES,THE COURT,CONSIDER,RELEVANT,FACTORS,AWARDED,THE FREQUENCY,PERSISTENCE,COMPLIANCE,RESOURCES,NUMBER,PERSONS,EXTENT,THE CREDITORS,INTENTIONAL,C,COSTS,THE ACTION,REASONABLE,ATTORNEYS FEE,DETERMINED,PROVISION,IMPOSING,LIABILITY,APPLY,DONE,GOOD FAITH,CONFORMITY,RULE,REGULATION,INTERPRETATION,BOARD OF GOVERNORS OF,THE FEDERAL RESERVE,SYSTEM,EMPLOYEE,AUTHORIZED,BOARD,ISSUE,INTERPRETATIONS,NOTWITHSTANDING,OMISSION,RESCINDED,JUDICIAL,AUTHORITY,INVALID,REASON,DATE,VIOLATION,WAIVER,PROVISIONS,CONTRARY,PUBLIC POLICY,VOID,UNENFORCEABLE,EFFECTIVE,JANUARY 1,