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RATNER v. CHEMICAL BANK NEW YORK TRUST COMPANY

No. 69 Civ. 4195.

329 F.Supp. 270 (1971)

Michael RATNER, for himself and all others similarly situated, Plaintiff, v. CHEMICAL BANK NEW YORK TRUST COMPANY, Defendant.

United States District Court, S. D. New York.

June 16, 1971.

Attorney(s) appearing for the Case

Jack Greenberg, Jonathan Shapiro, Eric Schnapper, New York City, for plaintiff.

Cravath, Swaine & Moore, New York City, for defendant; Howard G. Kristol, Richard S. Simmons, Richard M. Hirsch, New York City, of counsel.

OPINION

FRANKEL, District Judge.

The central question in this case is whether defendant Bank violated the disclosure requirements of the Truth in Lending Act when it failed to show the "nominal annual percentage rate" of interest on a statement to plaintiff obligor under an "open end consumer credit plan," where the statement showed an outstanding balance but no finance charge yet incurred so that no interest rate had yet been applied. (This involved statement...

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