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LAVIS v. REVERSE MORTG. SOLUTIONS, INC.

No. 18-2180.

40 F.4th 181 (2022)

Teresa LAVIS, on behalf of herself and others similarly situated, Plaintiff-Appellee, v. REVERSE MORTGAGE SOLUTIONS, INC., Defendant-Appellant.

United States Court of Appeals, Fourth Circuit.

Decided: July 14, 2022.

Attorney(s) appearing for the Case

ARGUED: Jason E. Manning , TROUTMAN SANDERS, LLP, Virginia Beach, Virginia, for Appellant. Sarah K. Brown , MOUNTAIN STATE JUSTICE, INC., Charleston, West Virginia, for Appellee. ON BRIEF: Megan Burns , TROUTMAN SANDERS, LLP, Virginia Beach, Virginia, for Appellant. Gary M. Smith , Bren J. Pomponio , MOUNTAIN STATE JUSTICE, INC., Charleston, West Virginia, for Appellee.

Vacated and remanded by published opinion. Judge Quattlebaum wrote the opinion, in which Judge Agee and Judge Richardson joined.

Teresa Lavis entered into a reverse mortgage agreement with Reverse Mortgage Solutions, Inc. ("RMS"). In violation of the Truth in Lending Act ("TILA"), RMS failed to disclose certain information at closing. Section 1635(a) of TILA allows a borrower to rescind a loan in the event

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