The sole question in this appeal is whether the district court abused its discretion in denying class certification. The plaintiff brought this action under the Truth in Lending Act, 15 U.S.C. § 1601 et seq. and Regulation Z, 12 C.F.R. Part 226 et seq., and made a motion to certify a class consisting of all individuals who had obtained credit from the defendant using specified credit instruments...
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