SAN FRANCISCO - In a majority ruling, Ninth Circuit U.S. Court of Appeals on July 16 reversed a ruling that dismissed claims for violation of various federal statutes asserted by homeowners, finding that their claims were not time-barred and that their claim for violation of the Truth in Lending Act (TILA) could proceed (David Merritt, et al. v. Countrywide Financial Corp., et al., No. 09-17678, 9th Cir.; 2014 U.S. App. LEXIS 13532).