What are the consequences for not providing the Homeowner's Protection Act disclosure at time of closing?

Chris,
Any financial institution that violates a provision of the HPA shall be liable to each customer to whom the violation relates for:
* In the case of an action by an individual, such statutory damages as the court may allow, not to exceed $2,000; and
* In the case of a class action, such amount as the court may allow, except that the total recovery in any class action or series of class actions arising out of the same violation by the same liable party shall not exceed the lesser of $500,000 or 1 percent of the net worth of the liable party, as determined by the court;
* Costs of the action; and
* Reasonable attorney fees, as determined by the court.