Santos-Rodriguez v. Doral Mortgage Corp.’s Empirical Analysis
485 F.3d 12 · 2007
Citation profile
32
cited by 32 later decisions
1
states following
October 2015
most recently cited
6 federal appellate · 14 district · 1 state decisions
Relationships
Relies on Ford Motor Credit Co. v. Milhollin · Allen v. Oklahoma · Rogan v. Menino · Palmer v. Champion Mortgage · Smith v. Chapman
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 32 citing decisions cite the case generally; a passage count includes only decisions quoting that exact language verbatim.
“(i) The retention or acquisition of a security interest in the consumer’s principal dwelling. (ii) The consumer’s right to rescind the transaction. (iii) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor’s place of business. (iv) The effects of rescission.... (v) The date the rescission period expires. 13”
2 later decisions quote this exact passage · from the majority“Most importantly, [the lender’s] disclosure form informed plaintiffs that, “If you cancel the transaction, the mortgage, lien or security interest is also cancelled.” This statement fulfilled the regulatory requirement that the lender disclose that, upon rescission of the' current transaction “the security interest giving rise to the right of rescission becomes void.” 12 C.F.R. § 226.23 (d)(1). Contrary to plaintiffs’ assertion, this disclosure is accurate even in same-lender refinance transactions such as those at issue here, because rescission of a refinance transaction does indeed cancel the entire security interest contemplated by the refinance agreement.”
1 later decision quote this exact passage · from the majority“If you cancel the transaction, the [mortgage/lien/security interest] is also can-celled. Within 20 calendar days after we receive your notice, we must take the steps necessary to reflect the fact that the [mortgage/lien/security interest] [on/in] your home has been cancelled, and we must return to you any money or property you have given to us or to anyone else in connection with this transaction.”
1 later decision quote this exact passage · from the majority
How this case has been treated — in progress
Whether each later court followed, distinguished, criticized, or overruled this decision. The treatment classification (task #35) runs highest-cited cases first and lights up here as it reaches this one.