Where the Truth in Lending Act requires mortgage servicers to credit payments made by Automatic Clearing House transfer on the date that the authorization is made, the lower court ruling was in error. The 7th U.S. Circuit Court of Appeals reversed a decision by U.S. District Judge Sara L. Ellis. Elena Fridman made her mortgage payments electronically, using the online payment system on the website of her mortgage servicer, NYCB Mortgage Co. LLC. By using the system, Fridman authorized NYCB to collect funds from her …