Authorities Cited: United States Code 15 U.S.C. § 1635 Supreme Court 442 U.S. 682, 698-700 522 U.S. 23, 29-30 533 U.S. 167, 173 Circuit Courts 621 F.2d 727 16 F.3d 1142 77 F.3d 989, 992 109 F.3d 338, 340 167 F.3d 1106, 1111 195 F.3d 894, 897-898 267 F.3d 743, 746 289 F.3d 98, 106-107 412 F.3d 17, 25 445 F.3d 874, 877 464 F.3d 760, 765 475 F.3d 418 Federal Rules of Civil Procedure Fed. R. Civ. P. 1 Fed. R. Civ. P. 23(b) Fed. R. Civ. P. 23(b)(2) 429 F. Supp. 2d 291, 296 474 F. Supp. 2d 1006