Under the Equal Credit Opportunity Act, punitive damages

a. are not available.
b. are available up to $100,000 for individual actions.
c. are available up to $500,000 or 1% of the defendant's net worth, whichever is less, for class actions.
d. are available up to $500,000 or 1% of the creditor's net worth, whichever is greater, for class actions.