What is the statute of limitations for a TILA claim?

TILA claims seeking damages are subject to a one-year statute of limitations, 15 U.S.C. 1640(e), which "runs from the date of consummation of the transaction." King v. State of Cal., 784 F.2d 910, 915 (9th Cir. 1986). Nevertheless, in certain circumstances the doctrine of equitable tolling may "suspend the limitations period." Id. However, when a plaintiff fails to allege any facts demonstrating that the alleged TILA violations could not have been discovered by due diligence during the statutory period, equitable tolling should not be applied. See Meyer v. Ameriquest Mortgage Co., 342 F.3d 899, 902 (9th Cir. 2003).