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VALLIES v. SKY BANK

No. 05-1002.

432 F.3d 493 (2006)

Louis R. VALLIES, individually and on behalf of all similarly situated vehicle buyers, Appellant v. SKY BANK, an Ohio Bank licensed to do business in the Commonwealth of Pennsylvania.

United States Court of Appeals, Third Circuit.

January 5, 2006.

Attorney(s) appearing for the Case

Michael P. Malakoff, Erin M. Brady, (Argued), Malakoff, Doyle & Finberg, Pittsburgh, PA, for Appellant.

Martin C. Bryce, Jr., (Argued), Ballard, Spahr, Andrews & Ingersoll, Philadelphia, PA, for Appellee.

Before SMITH, STAPLETON, and NYGAARD, Circuit Judges.

OPINION OF THE COURT

NYGAARD, Circuit Judge.

At issue in this appeal is whether the Truth in Lending Act requires all pertinent credit information be disclosed by a single creditor, or whether the requirements of the TILA can be satisfied if some of the required credit information is disclosed by a third party. More specifically, we address the question of whether a creditor violated the provisions of the TILA when it excluded certain debt cancellation fees...

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