Authorities Cited: United States Code 15 U.S.C. § 1643(a) 42 U.S.C. § 1983 Supreme Court 275 U.S. 303 355 U.S. 41, 45-46 477 U.S. 242 Circuit Courts 43 F.3d 475, 479 228 F.3d 429 243 F.3d 130, 142 260 F.3d 228 368 F.3d 269, 275 448 F.3d 672, 677 515 F.3d 224, 230-234 522 F.3d 315, 322 Federal Rules of Civil Procedure Fed. R. Civ. P. 12(b)(6) Fed. R. Civ. P. 56(c) 395 F. Supp. 2d 183 398 F. Supp. 2d 317 427 F. Supp. 2d 526 524 F. Supp. 2d 83