MODIFIED OPINION UPON DENIAL OF PETITION FOR REHEARING
Justice SHEILA M. O'BRIEN delivered the opinion of the court:
Plaintiff, Michael Rubino, filed a 23-count putative class action complaint alleging defendants Circuit City Stores, Inc. (Circuit City), and First North American National Bank (FNANB) violated the disclosure requirements of the Federal Truth in Lending Act (15 U.S.C. § 1601 et seq. (1994)) (TILA), and certain of its associated...
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