Definitely get your attorney involved. Not only do you have the Usury to deal with you have Reg. Z to also deal with. Since these are not RE secured loans your finance charge tolerance is only $10 therefore you most likely have both TIL finance charge and APR violations.
You best be prepared to get the checkbook out.
(2) Other credit. In any other transaction, the amount disclosed as the finance charge shall be treated as accurate if, in a transaction involving an amount financed of $1,000 or less, it is not more than $5 above or below the amount required to be disclosed; or, in a transaction involving an amount financed of more than $1,000, it is not more than $10 above or below the amount required to be disclosed.
The opinions expressed are mine and they are not to be taken as legal advice.