OPINION AND ORDER
DUNCAN, District Judge.
This is an appeal from the Bankruptcy Court's determination that appellant Clinton County National Bank is civilly liable under the Truth in Lending Act, 15 U.S.C. § 1601 et seq., to the bankrupt estates for a statutory penalty, attorneys fees, and costs. On cross motions for summary judgment, the Bankruptcy Judge found that when appellant loaned the bankrupts money on March 2, 1974, it failed to disclose...
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