In Re Hatfield’s Empirical Analysis

Citation profile

3 federal appellate ·

Most-quoted passages

The sentences later courts lift from this opinion, ranked by how many decisions quote each — the parts of the opinion doing the work. These counts are smaller than the citation total above because most of the 9 citing decisions cite the case generally; a passage count includes only decisions quoting that exact language verbatim.

1. “The Truth in Lending Act is highly technical and strict compliance is required. [The creditor] having access to the loan file and being a sophisticated lender, knew the [debtors] were giving a security interest in the bedroom furnishings they purchased fifteen months earlier. But the [debtors] may or may not have remembered the specifics of the earlier transaction, and it is not unreasonable to expect [the creditor] to disclose to the [debtors] what occurred fifteen months earlier by listing the bedroom furnishings rather than making a general reference to “goods being purchased.” Meaningful disclosure is achieved by [the creditor] telling the debtors the specific items of furniture that were subject to the security interest at the time of the refinance rather than relying on the [debtors’] memory of what transpired at the time of the original loan some fifteen months earlier.”

   1 later decision quote this exact passage
   e.g. Marshall v. Security State Bank of Hamilton (In Re Marshall)