But at mid-priced brands like Crowne Plaza or Residence Inn, you might have to scurry down the hall to the elevator bank to pick up a copy.

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The first step is to know what your bank might charge you for by looking at a copy of their fee schedule.

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In particular, the regulator points out that it is perfectly legal and proper for a bank that has lost the original loan agreement, or whose copy is illegible, to supply an accurate "reconstituted" version instead, to show that the agreement did in fact include the information specified by the Act.

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Among the items on display here are a copy of the message Jackson sent to the Senate vetoing the recharter of the federal bank and a cartoon of Jackson wielding a broken veto stick.

WSJ: Checks & Balances | Museum of American Finance | Of Debt and Taxes | By Mark Yost