OPINION
DAVID A. SCHOLL, Bankruptcy Judge.
A. INTRODUCTION.
In 1980, Congress, in certain respects, eased the burdens of disclosure placed upon creditors by the federal Truth-in-Lending Act of 1968, 15 U.S.C. § 1601, et seq. (hereinafter "the TILA"), by enactment of the Truth-in-Lending Simplification and Reform Act, P.L. No. 96-221, Title VI. Thereafter, amendments which had the same effect of reducing certain aspects of the creditor...
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