Gardner v. Ally Financial Inc.

We have before us a question of law, certified by the United States Court of Appeals for the Fourth Circuit, pursuant to the Maryland Uniform Certification of Questions of Law Act, Sections 12-601 to 12-613 of the Courts and Judicial Proceedings Article, Maryland Code (1973, 2006 Repl.Vol.)1 and Rule *5178-305,2 regarding whether auctions of two repossessed automobiles, which were characterized by the creditors as “public auctions,” were in actuality “private sales,” under the provisions of the Creditor Grantor Closed End Credit Act, Section 12-1021(j) of the Commercial Law Article, Maryland Code…