Brigitte Nelson v. Acre Mortgage & Financial Inc., et al.

INTRODUCTION On July 21, 2010, the Dodd-Frank Wall Street Re­ form and Consumer Protection Act (Dodd-Frank Act) was signed into law that directed the Consumer Finan­ cial Protection Bureau (CFPB) to combine and amend mortgage disclosure forms and rules under the Truth in Lending Act (TILA) and Regulation Z, and the Real Estate Settlement Procedures Act (RESPA) and Regu­ lation X into two new federal forms under TILA and Regulation Z: the H24(A) Mortgage Loan Transaction Loan Estimate 12 CFR § 1026.37, and the H25(A) Mortgage Loan Transaction Closing Disclosure 12 CFR § 1026.38. These two federal forms were man­ dated for all applications received on or after October 3,2015. QUESTIONS

1. Whether the Third Circuit’s Judgment entered on October 16, 2023 incorrectly affirmed the Jury Verdict and the District Court Judgment entered on April 7, 2023.

2. Whether the Jury Verdict and the District Court’s Judgment entered on April 7, 2023 incorrectly applied the law when granting Acre Mortgage & Financial Inc., favor and against the Petitioner under TILA and Reg­ ulation Z, and RESPA and Regulation X that became old, outdated, and obsolete as of October 3, 2015.