Clontz , Ralph C. Truth - in - lending manual text and forms Ralph C. Clontz , Jr. ; James H. Pannabecker , update author . - Rev. ed. - Arlington , Va. Warren , Gorham & Lamont c1998. - 2 v. ill. 28 cm . Kept up to date by supplements . Subjects--Topical Terms: Consumer credit--United States . LC Class. No.: KF 1040 / .C54 1998