"Facts Underlying the Lawsuit.
Defendants provide genealogical subscription services over the Ancestry.com Internet website. In the past, a number of the subscriptions were offered on an annual basis, payable in either monthly payments or by a single one time payment. In each instance, the sum of the monthly payments was greater than the one time payment. The maximum amount of statutory damages recoverable in this class action is the lesser of $500,000 or 1% of the Defendants’ net worth. 15 U.S.C. § 1640(a)(2)(B). As set forth below, that is less than one sixth (1/6) the estimated value of the Settlement Benefits under the proposed Settlement."
If US law says you have to tell a customer that it costs more to pay monthly than in one lump, and Ancestry didn't tell people that, they'll be found guilty, I suppose.