Calvin Morgan Bissette, and Frances T. Bissette, for Themselves and for All Others Similarly Situated v. Colonial Mortgage Corporation of D. C.

WILKEY, Circuit Judge:

This case arises on appeal from the District Court’s grant of summary judgment for the Bissettes (husband and wife) on their complaint seeking damages and a declaration that Colonial Mortgage Corporation of D. C. violated the Truth in Lending Act. 1 The trial court, 340 F.Supp. 1191, explicitly refused to make any finding as to when a contractual relationship between plaintiffs and defendants arose. Therefore, its precise and only holding was that Truth in Lending Act disclosures made at the time of “settlement” or “closing” in a home purchase and mortgage transaction…