In Hauk v. JP Morgan Chase Bank USA, ___ F.3d ___ (Jan. 23, 2009), the Ninth Circuit held that the defendant's compliance with the Truth-in-Lending Act (15 U.S.C. §§1601-1667f) and Reg. Z (12 C.F.R. Part 226) did not create a Cel-Tech "safe harbor" for the defendant's other conduct or support the trial court's order granting summary judgment of the UCL claim in the defendant's favor. Slip op. at 835-40.