MEMORANDUM AND ORDER
FREEDMAN, Senior District Judge.
I. INTRODUCTION
The plaintiff, Victor J. Alicea ("Alicea"), brings this civil action alleging that the defendant, CitiFinancial Services, Incorporated ("defendant"), made an inadequate disclosure pursuant to a mortgage in violation of the Truth in Lending Act, 15 U.S.C. §§ 1601, et seq. ("TILA"), and its Massachusetts counterpart, the Consumer Credit Cost Disclosure Act...
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