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BELINI v. WASHINGTON MUT. BANK, FA

Nos. 04-2532, 04-2533.

412 F.3d 17 (2005)

Richard BELINI; Theresa Luscier-Belini, Plaintiffs, Appellants, v. WASHINGTON MUTUAL BANK, FA, Defendant, Appellee.

United States Court of Appeals, First Circuit.

Decided June 15, 2005.

Attorney(s) appearing for the Case

Christopher M. Lefebvre, with whom Family and Consumer Law Center was on brief, for appellant.

Kevin C. Maynard, with whom Bulkley, Richardson and Gelinas, LLP was on brief, for appellee.

Before BOUDIN, Chief Judge, LYNCH and LIPEZ, Circuit Judges.

LYNCH, Circuit Judge.

This Truth in Lending Act (TILA) case raises difficult and rarely seen issues that arise when transactions regulated by a given state — here, Massachusetts — have been exempted by the Federal Reserve from most of the Act's requirements. See 15 U.S.C. § 1633; see also Bizier v. Globe Fin. Servs., Inc., 654 F.2d 1, 2 (1st Cir.1981). Only five states have received such exemptions...

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