A consumer buys furniture. The store gives the consumer 2,000 credit to be paid back over two years. ...

A consumer buys furniture. The store gives the consumer 2,000 credit to be paid back over two years. The store fails to disclose the interest rate that it charges for credit. Under the Truth-in-Lending Act, the store is wrong for not listing the interest:
 a. but the customer agreed to it, so there is no violation
  b. but the consumer's only recourse is to cancel the contract c. and must give the consumer the goods for free as a result
  d. and may have to pay the consumer up to 1,000 (civil damages) plus attorney fees e. there is no violation here