ST. LOUIS - A divided Eighth Circuit U.S. Court of Appeals panel on Sept. 10 affirmed a ruling awarding judgment on the pleadings to Countrywide Home Loans Inc. in a suit brought under the Truth in Lending Act (TILA), with two of the judges concurring only because the precedent set in Keiran v. Home Capital Inc. (720 F.3d 721 $(8th Cir. 2013$)) established that borrowers must file a lawsuit in order to exercise their right to rescind (Larry D. Jesinoski, et al. v. Countrywide Home Loans Inc., et al., No. 12-2202, 8th Cir.).