PELL, Circuit Judge.
In this case we consider a claim under the Truth in Lending Act (the Act), 15 U.S.C. §§ 1601-1667e, based upon the failure of appellee automobile dealer to provide appellant consumer with a duplicate of the retail installment contract at the time the parties entered into a credit transaction. At the close of appellant's case, the district court granted appellee's motion for a directed verdict, holding that there never was a transaction...
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