Determining the Finance Charge Under the Truth in Lending Act

Determination of the finance charge is central to the Truth in Lending disclosure scheme. The author analyzes difficulties encountered in drafting the finance charge provisions, judicial and administrative interpretations of the statutory provisions, and application of the concept to various types of transactions. He concludes that, despite imperfections in the statute and regulation, the present provisions are about the best that can be expected given the varieties of credit transactions and differences in state law provisions regulating such transactions.     

Agent‐based systems in public administrations

Public administrations have experienced in the last two decades a revolutionary process concerning procedures and instruments. The success of the PA services based on IT technologies has produced new needs for providing even more advanced services and solutions. One technology that has been attracting the research community is agent technology. This paper will describe how agent technology could be exploited to enhance PA services and discuss the issues related to their implementation.