OPINION
DAVID A. SCHOLL, Bankruptcy Judge.
A. INTRODUCTION
The instant adversary proceeding ("the Proceeding") was instituted by TYRONE MURRAY ("the Debtor") against THE FIRST NATIONAL BANK OF CHICAGO, as Trustee ("the Defendant"), alleging violations of the Home Ownership and Equity Protection Act ("HOEPA") amendments to the federal Truth in Lending Act, 15 U.S.C. §§ 1601, et seq. ("the TILA"); the Pennsylvania Unfair...
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