The Supreme Court heard oral arguments Monday in a Truth-in-Lending case testing a borrower's "right of rescission."

Though a verdict is impossible to predict, many of the justices appeared cool toward Bruce S. Rogow, who argued for the borrowers, David and Linda Beach. The case against Ocwen Federal Bank, West Palm Beach, Fla., involves finance-charge errors discovered five years after the loan was made. Mr. Rogow claimed that the normal three-year time limit only applies to "affirmative" lawsuits filed by borrowers, not when a borrower is defending against a foreclosure action.

By contrast, Carter G. Phillips, who represented Ocwen Federal, encountered relatively little questioning.

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