(a) In general. Any person who is negligent in failing to comply
with any requirement imposed under this title with respect to any
consumer is liable to that consumer is an amount equal to the sum
of—
(1) any actual damages sustained
by the consumer as a result of the failure; and
(2) in the case of any successful action
to enforce any liability under this section, the costs of the action
together with reasonable attorney’s fees as determined by the court.
(b) Attorney’s fees. On a finding by the court that an unsuccessful pleading, motion,
or other paper filed in connection with an action under this section
was filed in bad faith or for purposes of harassment, the court shall
award to the prevailing party attorney’s fees reasonable in relation
to the work expended in responding to the pleading, motion, or other
paper.
[15 USC 1681o. As amended
by acts of Sept. 30, 1996 (110 Stat. 3009-446, 447) and Dec. 4, 2003
(117 Stat. 2012).]
