b'2017 2018 2019 2020 202165555137 373527 2928 272618 1716 15 1714 14 1412 12 11 118 9 8 8 9 9 8 9 8 96 6 7 64 5 5 4 4 5 5 43 3 3 3 3 3 3 2 2 3 3 3 2 2 30 1 0 0 1 1 0 0 0 0 0 0 1 0 0CFPA State Statute TILA TSR FTCA FCRA FDCPA EFTA RESPA FCA ECOA FIRREA HPA FHA SCRAor Regulation11'