BREITENSTEIN, Circuit Judge.
These five appeals and cross-appeals from judgments of the United States District Court for the District of New Mexico raise questions pertaining to the Truth in Lending Act, TILA, 15 U.S.C. § 1601, et seq., as implemented by Federal Reserve Board Regulation Z, 12 C.F.R. § 226. The outcome is largely governed by our decision in No. 78-1806, James v. Ford Motor Credit Company, opinion filed today. Certain factual and procedural...
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