Frank J. Szumny v. American General Finance, Incorporated and American Security Insurance Company

RIPPLE, Circuit Judge.

Frank Szumny brought this action against American General Finance, Inc. (“AGFI”) on behalf of a putative class. He alleged violations of the Truth in Lending Act (“TILA”), 15 U.S.C. § 1601 et seq.; the Illinois Consumer Fraud and Deceptive Business Practices Act, 815 ILCS 505/1 et seq.; and the Illinois Consumer Installment Loan Act, 205 ILCS 670/1 et seq. The district court dismissed Mr. Szumny’s suit for failure to state a claim under TILA. For the reasons set forth in the following opinion, we affirm the judgment of the district court.

I

BACKGROUND

A

The district court…