Opinion for the Court filed by Circuit Judge ROGERS.
ROGERS, Circuit Judge:
The Truth in Lending Act ("TILA"), 15 U.S.C. § 1601, et seq. (2000), limits the liability of a cardholder for "unauthorized use of a credit card," id. § 1643(a)(1), which is defined as use without "actual, implied, or apparent authority" that does not benefit the cardholder, id. § 1602(o). The principal issue on appeal is what creates apparent...
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