WASHINGTON (AP) — The Supreme Court will decide what a home buyer must do to rescind a mortgage that violates the federal Truth in Lending Act.

The justices on Monday agreed to hear an appeal from a Minnesota couple who refinanced their home in 2007 with Countrywide Home Loans, Inc. They claim the company failed to provide some disclosures required under federal law.

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The couple sent a written notice of rescission within the three-year statute of limitations, but a federal judge ruled that they should have filed a lawsuit instead. The 8th U.S. Circuit Court of Appeals affirmed.

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The couple argues that federal appeals courts are split on the issue, with some saying written notice is enough and others requiring a lawsuit to rescind. The high court is expected to resolve the split.

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