15 U.S.C. § 1611
Section 1611 · Criminal liability for willful and knowing violation
This is § 112 of the Truth in Lending Act
Amended 2 times on record
Applied in 42 court decisions — leading case Mourning v. Family Publications Service, Inc. (1973)
Most recently applied in United States v. Moseley (November 2020)
How often courts cite this section
Court decisions citing this, by year.Markers show enactment, consequential amendments, and circuit splits over this section — watch for a citation surge after a change or a disagreement. The dip in the last several years is a data-coverage gap, not a real trend — our corpus holds fewer opinions from the most recent years, so recent citations are undercounted.
Whoever willfully and knowingly
(1) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder,
(2) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606(a)(1)(A) of this title, or
(3) otherwise fails to comply with any requirement imposed under this subchapter,
shall be fined not more than $5,000 or imprisoned not more than one year, or both.
Editorial notes U.S. Code · Office of the Law Revision Counsel
Amendments
2010—Par. (2). Pub. L. 111–203 substituted “Bureau” for “Board”.
Effective Date of 2010 Amendment
Amendment by Pub. L. 111–203 effective on the designated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.