Many assume that consumer law exists independently of the Uniform Commercial Code (UCC) and is governed solely by statutes like the Truth in Lending Act (TILA) and its implementing regulation, Regulation Z. However, this is a misconception. The UCC plays a critical role in consumer transactions, particularly in areas such as secured transactions, negotiable instruments, sales of goods, and warranties. While consumer protection laws provide remedies and disclosures, the UCC governs the enforceability, structure, and rights associated with consumer agreements.One of the most significant aspects of this relationship is UCC Article 9, which explicitly recognizes "consumers" as "debtors" in secured transactions, reinforcing the UCC’s authority over consumer transactions.
Kevin: Walker, a natural, freeborn Sovereign, national, and state Citizen of the California De’Jure Republic, brings forth undeniable evidence of default, fraud, and violations of constitutional rights under color of law. Despite clear and lawful communication through affidavits and notices, the named respondents failed to provide a valid, point-for-point response, thereby admitting to the claims by tacit procuration. These violations include identity theft, extortion, racketeering, and deprivation of rights, causing significant harm to the Affiant. Standing on constitutional and natural law principles, Kevin asserts his inherent rights, citing U.S. Supreme Court precedents and legal maxims. The evidence establishes a prima facie case, rendering the respondents liable for damages, with no immunity shielding their unlawful actions. This case underscores the importance of accountability, due process, and the protection of individual rights