Putting the Cart Before the Horse: Should a Court Certify a Class of Residential Consumers Seeking a Declaration that the Consumers—if They Later Choose—Are Entitled to Rescind for a TILA Violation?

125 Banking L.J. 160 (2008).

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The authors review the arguments in class actions brought by consumers seeking a declaration that they may rescind their individual loan transactions based on their lender' alleged Truth in Lending Act violation.