BAUER, Circuit Judge.
The plaintiffs-appellants in these consolidated cases appeal from two Decisions and Orders of the district court granting summary judgments in favor of the defendants-appellees on the appellants' complaints for alleged violations of the Truth in Lending provisions of the Consumer Credit Protection Act, 15 U.S.C. §§ 1601 et seq. ("Act"), and the regulations adopted pursuant thereto, 12 C.F.R. §§ 226.1 et seq....
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