Steve Evanto sued the Federal National Mortgage Association (Fannie Mae), the assignee of his mortgage, after the loan servicer allegedly failed to provide a requested payoff balance. The Eleventh Circuit held that the Truth in Lending Act permits assignee liability only for violations apparent on the face of the mortgage disclosure statement. Because the disclosure statement is provided when credit is extended and a payoff balance is requested later, the servicer’s alleged failure could not appear on the face of that statement. The court rejected Evanto’s request to read a statutory “loophole” into the Act and affirmed dismissal of his amended complaint.