Input: Relationship: 'amend', Argument/Subject 1: 'congress', Argument/Subject 2: 'act'

Answer: The general problem in this case is whether the Truth in Lending Act as it existed before Congress amended it in 1980 , with the Truth in Lending Simplification and Reform Act , see Truth in Lending Simplification and Reform Act , Pub.L. No. 96-221 , 94 Stat .