You definitely have something here. But there are issues that you will have to address if you choose to go the rescission route. For one, you will have to tender with a new loan if your current lender rescinds this loan and agrees that TILA has been violated and that is something that you will have to consult with an attorney about.
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(5) the date the rescission period expires (Regulation Z § 226.23(b)(1)(i-v)). In an effort to assist creditors, Regulation Z even includes a model form showing exactly what must be disclosed. 12 C.F.R. § 226 App. H. Unfortunately, creditors often leave the completion of these forms to the closing agent or notary public. Given the recent rise of “mobile notaries” or “loan document signers”, the environment is fraught with negligence when it comes to this duty.
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You should speak with an attorney or 2 about this ASAP.