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BONE v. HIBERNIA BANK

No. 73-1540.

493 F.2d 135 (1974)

Donald L. BONE, Plaintiff-Appellee, v. HIBERNIA BANK and Michael Shields, Defendants-Appellants.

United States Court of Appeals, Ninth Circuit.

March 4, 1974.

Attorney(s) appearing for the Case

Moses Lasky (argued), Brobeck, Phleger & Harrison, Tobin & Tobin Law Offices, San Francisco, Cal., for defendants-appellants.

Robert L. Lieff (argued), and Donald L. Bone, pro se, of Lieff, Alexander & Wilcox, San Francisco, Cal., for plaintiff-appellee.

Before DUNIWAY and CHOY, Circuit Judges, and JAMESON, District Judge.

CHOY, Circuit Judge:

Donald L. Bone charges that the Hibernia Bank violated the disclosure requirements of the Truth in Lending Act, 15 U.S.C. § 1638(a) (1970), as implemented by the Federal Reserve Board's Regulation Z, 12 C.F.R. Part 226, by failing to adequately identify its method of computing the unearned, precomputed portion of the finance charge on a loan obligation in the event of the obligation's prepayment. Hibernia's disclosure statement revealed that...

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