FLAUM, Circuit Judge.
The plaintiffs, Theresa L. Cannon Williams and Lois Reed, appeal the district court's grant of summary judgment to defendant Chartwell Financial Services, Ltd. ("Chartwell"). The plaintiffs first argue that the district court erred in determining that Chartwell's practices of demanding cash security for a loan and issuing an alternative payment schedule did not violate the Truth in Lending Act ("TILA"), 15 U.S.C. § 1601 et seq., as...
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