§ 514. Defenses. 1. In any action for a cash advance or loan or for
the purchase or lease of property or services through the use of a
credit card or a debit card, it shall be a defense that such obligation

(a) arose out of the unauthorized use of a credit card or a debit card
which was not delivered to the holder; or

(b) arose subsequent to the giving of notice by the holder to the
issuer of the unauthorized use, loss or theft, of such credit card or
debit card; or

(c) is in excess of the limitation of liability for the unauthorized
use of a credit card provided in the act of congress entitled "Truth in
Lending Act" and the regulations thereunder, as such act and regulations
may from time to time be amended.

2. If any of the defenses set forth in subdivision one of this section
be established, the court shall order the issuer to pay the reasonable
attorney's fees incurred in the defense of the action if the court finds

(a) that the holder has cooperated with the issuer in determining the
facts and circumstances relating to such unauthorized use, loss or
theft, of the credit card or debit card; and

(b) that notwithstanding such cooperation with the issuer, the issuer
has brought the action without reasonable cause.