In August, Dorothy Jenkins went to First American Mortgage and Loan Association of Virginia (the Bank) to sign a second mortgage on her home. Her first mortgage was with a different bank. She left the closing without a copy of the required Truth in Lending Act disclosure forms. Jenkins defaulted on her loan payments, and, the following May, the Bank began foreclosure proceedings on her house. In June, she notified the Bank that she wished to rescind the loan. Does Jenkins have a right to rescind the loan 10 months after it was made?