Jackson and Delores Brown, and Cross-Appellants v. Frontier Ford, Inc., and Cross-Appellees

BREITENSTEIN, Circuit Judge.

These cases are before the court on a remand from the United States Supreme Court. The cases arise under the Truth in Lending Act, TILA, 15 U.S.C. § 1601 et seq., as implemented by Federal Reserve Board Regulation Z, 12 C.F.R. § 226.1 et seq. The plaintiffs were purchasers of motor vehicles under installment payment contracts. The defendants were either sellers or lenders. In each case the plaintiffs sought recovery of the statutory penalty for violations of the Act. Each case was presented to the court of appeals on the sole issue of whether the assignments of…