RESTITUTION FOR VIOLATIONS OF THE TRUTH IN LENDING ACT.

SEC. 2106. RESTITUTION FOR VIOLATIONS OF THE TRUTH IN LENDING ACT. Section 108(e)(3) of the Truth in Lending Act (15 U.S.C. 2602(3)) is amended— (1) by striking “ordered (A) if” and inserting the following: “ordered— “(A) if”; (2) by striking “may require a partial” and inserting “may— “(i) require a partial”; (3) by striking “, except that with respect” and all that follows through “Act, the agency shall require” and inserting “; or “(ii) require”; (4) by striking “reasonable, (B) the” and inserting the following: “reasonable, if (in the case of an agency referred to in paragraph (1), (2), or (3) of subsection (a)), the agency determines that a partial adjustment or making partial payments over an extended period is necessary to avoid causing the creditor to become undercapitalized pursuant to section 38 of the Federal Deposit Insurance Act; “(B) the”; and (5) by striking “(C) except” and inserting the following: “(C) except”.