(b) Unless the persons who are obligated under the transaction are married to each
other, no action shall be brought, nor shall any security interest be enforced, against any person entitled to receive notice under 16 C.F.R. 444.3, 12 C.F.R. 227.14, or 12 C.F.R. 535.3, whichever is applicable to the creditor, if that person did not receive the notice
in the manner prescribed by the applicable regulation and an accurate Spanish translation
of the notice.
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