OPINION AND ORDER DENYING MOTIONS FOR SUMMARY JUDGMENT
SPIEGEL, District Judge.
This matter came on for consideration of cross-motions for summary judgment: defendant's motion for summary judgment (doc. 13), plaintiff's memorandum in opposition and cross-motion (doc. 16), and defendant's reply (doc. 18). For reasons that follow, we find that 15 U.S.C. §§ 1637(b), 1666(b)(6), and 1666a, all of which are included in the Truth-in-Lending Act (TILA...
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