DISCLAIMER:  The following unofficial case summaries are prepared by the clerk's office
                        as a courtesy to the reader. They are not part of the opinion of the court.

043316P.pdf   09/12/2005  Christine Madrigal  v.  Kline Oldsmobile
   U.S. Court of Appeals Case No:  04-3316
   District of Minnesota   
   [PUBLISHED][Bowman, Author, with Riley and Benton, Circuit 
   Judges] 
   Civil case - Equal Credit Opportunity Act. Defendant was not obligated 
   to provide plaintiff with written notice under the Equal Credit 
   Opportunity Act as it did not take any adverse action on her credit 
   application.