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CHANNELL v. CITICORP NAT. SERVICES, INC.

Nos. 95-3609, 95-3700.

89 F.3d 379 (1996)

Merrilou CHANNELL, formerly known as Merrilou Kedziora, on behalf of a class of persons who leased automobiles, Plaintiff-Appellant, Cross-Appellee, v. CITICORP NATIONAL SERVICES, INC., formerly known as Citicorp Acceptance Co., Defendant-Appellee, Cross-Appellant.

United States Court of Appeals, Seventh Circuit.

Decided July 11, 1996.

Rehearing and Suggestion for Rehearing Denied August 9, 1996.

Attorney(s) appearing for the Case

Lawrence Walner, James B. Goldberg, Walner & Associates, Chicago, IL, Daniel A. Edelman (argued), Cathleen M. Combs, J. Eric VanderArend, James O. Latturner, Charles E. Petit, Edelman & Combs, Chicago, IL, Lisa I. Vessey, Chicago, IL, Francine Schwartz, Arlington Heights, IL, for Plaintiff-Appellant in No. 95-3609.

James C. Schroeder, Lynne M. Raimondo, Terri A. Mazur (argued), Alan N. Salpeter, Victoria R. Collado, Mayer, Brown & Platt, Chicago, IL, for Defendant-Appellee in both cases.

Lawrence Walner, Walner & Associates, Chicago, IL, Daniel A. Edelman (argued), Cathleen M. Combs, J. Eric VanderArend, Edelman & Combs, Chicago, IL, Lisa I. Vessey, Chicago, IL, Francine Schwartz, Arlington Heights, IL, for Plaintiff-Appellant in No. 95-3700.

Before EASTERBROOK, RIPPLE, and KANNE, Circuit Judges.

Rehearing and Suggestion for Rehearing En Banc Denied August 9, 1996.*

EASTERBROOK, Circuit Judge.

This case under the Consumer Leasing Act, 15 U.S.C. §§ 1667-1667e, presents three questions. First, must a lessor that uses the sum-of-the-digits method (also known as the Rule of 78s) to calculate unearned interest explain what the method entails? Second, after disclosing that it will use the Rule of 78s, must the lessor...

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