EUGENE A. WRIGHT, Circuit Judge:
In these consolidated cases, Ford Motor Credit Corporation (Ford Credit) and several Ford dealers appeal from adverse judgments finding that they violated provisions of the Truth in Lending Act, 15 U.S.C. §§ 1601 et seq. (1976) (Act) and the regulations promulgated thereunder, 12 C.F.R. § 226.1 et seq. (1978) (Regulation Z).
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