Court Opinion

ID: 9521398
Source: CourtListenerOpinion
Date Created: 2023-08-07 02:04:09.922213+00
Date Added: 2024-06-11T12:49:43.808859
License: Public Domain

MELLOY, Circuit Judge,
concurring in the judgment.
I concur in the judgment insofar as this Court is bound by decisions of prior panels. See Owsley, 281 F.3d at 690. Were we writing on a clean slate, however, I would hold for the reasons stated in my separate concurrence in Hartman, 734 F.3d at 762-64, 2013 WL 4407058 at *10-12, that sending notice within three years of consummating a loan is sufficient to “exercise” the right to rescind. See 12 C.F.R. § 1026.23(a)(2).