Christine M. Madrigal v. Kline Oldsmobile, Inc., a Minnesota Corporation

BOWMAN, Circuit Judge.

Christine Madrigal appeals from an order of the District Court 1 granting summary judgment in favor of Kline Oldsmobile, Inc., on Madrigal’s claim that Kline violated the Equal Credit Opportunity Act (ECOA or Act) by failing to properly notify her of its reasons for taking adverse action on her application for credit. We affirm.

Madrigal heard a radio advertisement stating that Kline, a seller of new and used vehicles, was offering financing at a 1.9% annual percentage rate (APR) to qualified buyers. On August 10, 2002, Madrigal visited Kline and selected a 2002 Suzuki…