In Manning v. Princeton Consumer Discount Co., the U.S. Court of Appeals for the Third Circuit held that in a credit sale, only the dealer is responsible for making the required credit sale disclosures, even though both a finance company and an automobile dealer are creditors under the Truth in Lending Act.
Smith, Douglas W.
"Seller Alone Is Liable for Failure To Make 'Credit-Sale' Disclosures,"
Mercer Law Review: Vol. 28:
3, Article 12.
Available at: https://digitalcommons.law.mercer.edu/jour_mlr/vol28/iss3/12