Ten lawsuits charging that mortgage lenders violated the Truth in Lending Act by overcharging borrowers with adjustable-rate mortgages apparently have had the effect of making other lenders much more precise in calculating interest rates.

"We think our lawsuits had the salutary effect of making lenders a lot more careful," said Peter M. Racher, partner in Plews & Shadley, an Indianapolis law firm that is involved in all 10 suits.

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