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ROSSMAN v. FLEET BANK (R.I.) NAT. ASS'N

No. 01-1094.

280 F.3d 384 (2002)

Paula E. ROSSMAN, individually and for all others similarly situated, v. FLEET BANK (R.I.) NATIONAL ASSOCIATION, a nationally chartered bank; Fleet Bank Credit Card Services, L.P., a Rhode Island limited partnership; Fleet Credit Card Holdings, Inc., a Delaware corporation; Fleetboston Financial Corporation, a Massachusetts corporation, Paula E. Rossman, Appellant.

United States Court of Appeals, Third Circuit.

Filed February 8, 2002.

Attorney(s) appearing for the Case

Michael D. Donovan, Donovan Searles, Philadelphia, PA, Michael P. Malakoff, Malakoff, Doyle & Finberg, Pittsburgh, PA, Attorneys for Appellant.

Burt M. Rublin, (Argued), Ballard, Spahr, Andrews & Ingersoll, Philadelphia, PA, Attorney for Appellees.

Before: SCIRICA, ALITO and BARRY, Circuit Judges.

OPINION OF THE COURT

SCIRICA, Circuit Judge.

In this Truth in Lending Act case, we must interpret the "no annual fee" provision of a credit card solicitation. Months after plaintiff Paula Rossman responded to a solicitation offering this term, defendant Fleet Bank changed the operable credit agreement and imposed an annual fee. Rossman brought this putative class action alleging, inter alia, that Fleet violated the TILA by failing to disclose the...

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