Opinion ID: 722630
Heading Depth: 2
Heading Rank: 2

Heading: The Humphreys' Contract.

Text: 12 We agree with the district court that the 1986 regulations governed the Humphreys' loan. These regulations required Fidelity to give notice 30-120 days before changing the interest rate. See 12 CFR § 545.33(e)(4) (1986). The Humphreys' contract is consistent with the 1986 regulations only if it required Fidelity to send notice to the Humphreys 30-45 days before the interest rate change date. The Humphreys present no evidence that, during the four years preceding this lawsuit, Fidelity either failed to send notice within this 30-45 day window or failed to use the most recent index as of the date it sent the notice. 13 The district court properly granted summary judgment for Fidelity on the Humphreys' breach of contract claim.