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  5. 588 S.W.2d 691 (1979)
 

TURNER v. WEST MEMPHIS FEDERAL S. & L. ASS'N

No. 79-52.

588 S.W.2d 691 (1979)

PhiUip M. TURNER and Mary Anne Turner et al., Appellants, v. WEST MEMPHIS FEDERAL SAVINGS AND LOAN ASSOCIATION and J. H. Spears, Trustee, Appellees.

Supreme Court of Arkansas, In Banc.

Rehearing Denied November 5, 1979.

Attorney(s) appearing for the Case

N. M. Norton, Forrest City, for appellants.

Spears, Sloan & Johnson, West Memphis, for appellees.

PURTLE, Justice.

This case involves a foreclosure action by the creditor upon a residential loan which was in default. The Turners', obligors, defense was usury and failure to timely make material disclosures as required by the Truth-in-Lending Act and by Regulation Z. The trial court found the creditor did not make a usurious charge and that there was no failure to make a material disclosure. Judgment for the creditor was granted upon the complaint and the property...

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