Opinion ID: 722630
Heading Depth: 2
Heading Rank: 1

Heading: Initial Disclosures.

Text: 15 TILA's one-year statute of limitations, 15 U.S.C. § 1640(e), bars plaintiffs' claims that Fidelity failed to make appropriate initial disclosures under 12 CFR § 226.18(f)(1) (1983) and 12 CFR § 545.33(f)(7) (1986). Hubbard filed suit more than eight years after she obtained her loan, and the Humphreys joined suit six years after they obtained theirs. Hubbard argues the statute of limitations should have been tolled until she discovered there were possible 'anomalies' or errors in her loan. However, nothing prevented Hubbard from comparing the loan contract, Fidelity's initial disclosures, and TILA's statutory and regulatory requirements. 6 See King v. State of Cal., 784 F.2d 910, 915 (9th Cir.1986). 16