WISDOM, Senior Circuit Judge:
This appeal raises two issues under the Truth In Lending Act (TILA). 15 U.S.C. § 1601 (1979). The district court granted summary judgment in favor of the creditor, American Financial Systems, Inc., against the debtor, Patricia Smith, on the grounds that her time-barred cause of action for monetary damages cannot be maintained by way of recoupment and that her request for rescission of the loan transaction under section 1635 fails...
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