United States Third Circuit

In a putative class action against a bank claiming violation of the Truth in Lending Act (TILA) disclosure requirements involving loans to finance motor vehicles, summary judgment in favor of defendant-bank is affirmed as a showing of detrimental reliance is required to recover actual damages for a TILA disclosure violation, and here, plaintiff neither pled nor made such a showing.

Appellate Information

• Decided 12/31/2009
• Published 12/31/2009

Judges

• Before: SCIRICA, Chief Judge, RENDELL and ALDISERT, Circuit Judges.

Court

• United States Third Circuit

Counsel

• For Appellant:
  
• Erin M. Brady, Esquire (Argued), Michael P. Malakoff, Esquire, Malakoff & Brady, P.C., Pittsburgh, PA, for Appellant., Matthew A. Brinegar, Esquire, Center for Responsible Lending, Washington, D.C., for Amici Curiae-Appellant, Center for Responsible Lending, National Consumer Law Center, National Association of Consumer Advocates.


• For Appellees:
  
• Martin C. Bryce, Jr., Esquire (Argued), Alan S. Kaplinsky, Esquire, Ballard Spahr Andrews & Ingersoll, LLP, Philadelphia, PA, for Appellee., Jan T. Chilton, Esquire, Severson & Werson, San Francisco, CA, for Amici Curiae-Appellee, American Bankers Association, American Financial Services Association, Association of Consumer Vehicle Lessors, Chamber of Commerce of the United States of America, Consumer Bankers Association, Consumer Mortgage Coalition, Financial Services Roundtable, Mortgage Bankers Association, Pennsylvania Bankers Association.