The credit department of Metro-Mart calls Nikki at work about an overdue bill. Nikki\'s employer objects. Metro-Mart continues to call Nikki at work. This is a violation of no federal law. the Fair and Accurate Credit Transactions Act. the Fair Debt Collection Practices Act. the Truth-in-Lending Act. Solution the Truth-in-Lending Act. reason: The Truth in Lending Act ( TILA ) of 1968 is United States federal law designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed .