United States Ninth Circuit

In a suit claiming violations of the Truth in Lending Act, California's Unfair Competition Law and California's False Advertising Law by a credit card issuer, summary judgment for defendant is affirmed in part and reversed in part where: 1) defendant's disclosures complied with TILA and a creditor's undisclosed intent to act inconsistent with its disclosures is irrelevant in determining the sufficiency of those disclosures; 2) the UCL's safe harbor did not authorize defendant to take action at odds with the disclosures it made; and 3) plaintiff's evidence establishes a genuine issue of material fact with respect to whether defendant violated the UCL and FAL.

Appellate Information

• Argued 10/22/2008
• Decided 01/23/2009
• Published 01/23/2009

Judges

• SHUBB, Senior District Judge:, Before:  CONSUELO M. CALLAHAN and SANDRA S. IKUTA, Circuit Judges, and WILLIAM B. SHUBB, Senior District Judge.

Court

• United States Ninth Circuit

Counsel

• For Appellant:
  
• Michael D. Braun, Braun Law Group, P.C., Los Angeles, CA;  Matthew J. Zevin, Stanley, Mandel & Iola, L.L.P., San Diego, CA, for the plaintiff-appellant.


• For Appellees:
  
• Shirley M. Hufstedler, Robert S. Stern, and Nancy R. Thomas, Morrison & Foerster L.L.P., Los Angeles, CA;  Angela L. Padilla and Geoffrey Graber, Morrison & Foerster L.L.P., San Francisco, CA, for the defendant-appellee.