So lonely

Now that Jude has left me to fend on my own (apparently), I'm struggling to find things to talk about. So lets have an educational day and talk about the Truth in Lending Act.

If you enter a transaction in which a creditor takes a security interest in your home (other than a residential mortgage transaction), you have 3 days to rescind the contract. And if the creditor doesn't make the material disclosures, you have 3 years to cancel it. Once you rescind, the creditor has to return any value already conferred within 20 days. If he doesn't you keep the loan proceeds and you can sue him for damages. Hooray!