GARZA, Circuit Judge:
This action was brought, pursuant to the Federal Truth-In-Lending Act (TILA), 15 U.S.C. § 1601 et seq., and Regulation Z, 12 C.F.R. § 226 et seq., by plaintiff-appellant, Cornelius I. Bradley, against the defendants-appellees, Marshall Brothers Lincoln Mercury, Inc. (hereinafter Marshall Brothers) and Ford Motor Credit Company (hereinafter Ford). The matter was heard before the court below on cross-motions for summary judgment. On June...
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