discussed Cited "see, e.g." Citizens State Bank of MarshField v. Federal Deposit Ins. Corp. To the degree that public enforcement is aided by monetary assessments in addition to cease and desist orders, section 1640 was intended to fill that role, also: 13 Congress provided for attorney fees ( 15 U.S.C. § 1640 (a)(3)) as well as liquidated damages as incentives for individual civil suits so that widespread compliance could be obtained, without government involvement, through a system of “private attorneys general.” Bizier v. Globe Financial Services, 654 F.2d 1, 2-3 (1st Cir.1981); see also Murphy v. Ford Motor Credit Co., 629 F.2d 556, 561 (8th Cir.1980), vacated mem. on other …

discussed Cited "see, e.g." Citizens State Bank Of Marshfield, Missouri v. Federal Deposit Insurance Corporation Sec. 1640 (a)(3)) as well as liquidated damages as incentives for individual civil suits so that widespread compliance could be obtained, without government involvement, through a system of "private attorneys general." Bizier v. Globe Financial Services, 654 F.2d 1, 2-3 (1st Cir.1981); see also Murphy v. Ford Motor Credit Co., 629 F.2d 556, 561 (8th Cir.1980), vacated mem. on other grounds, 452 U.S. 957 , 101 S.Ct. 3103 , 69 L.Ed.2d 967 (1981); Murphy v. Household Finance Corp., 560 F.2d 206, 210 (6th Cir.1977). 30 As a final observation we acknowledge the constitutional implications of agency…