Murray v. New Cingular Wireless Services, Inc.’s Empirical Analysis
523 F.3d 719 · 2008
Citation profile
6 federal appellate · 2 district ·
How this case has been cited
Cited by 23 later decisions — most recently December 2021
6 federal appellate · 2 district ·
Later decisions citing this case, by decade. The current decade is in progress, and our corpus holds fewer opinions from the most recent years, so the latest bars are undercounted — not a real decline.
Relationships
Applies 15 U.S.C. § 1681A · 15 U.S.C. § 1681B · 15 U.S.C. § 1681M · 15 U.S.C. § 1681N · 15 U.S.C. § 1681S · 15 U.S.C. § 1691A
Relies on Safeco Insurance Co. of America v. Burr · Murray v. GMAC Mortgage Corp. · Stevenson v. TRW Inc. · Cole v. U.S. Capital, Inc. · Perry v. First National Bank
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 23 citing decisions cite the case generally; a passage count includes only decisions quoting that exact language verbatim.
“§ 1681b(c)(l)(B)(i) calls for a firm offer of credit but not a valuable firm offer of credit. A firm offer of credit suffices. Cole did not doubt this. The problem in Cole was how to disentangle an offer of merchandise from an offer of credit when they are made jointly (in Cole, the merchant was selling cars and offered to extend credit for a small fraction of the price). We asked whether the offer of credit would be valuable standing alone in order to see whether the non-eonsensual check of a person’s credit history had been used to make an offer of merchandise, something the statute does not allow.... When credit histories are used to offer credit (or insurance) and nothing but, the right question is wheth er the offer is “firm” rather than whether it is “valuable.””
1 later decision quote this exact passage“(A) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumer’s application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or (B) of the information in the consumer’s application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.”
1 later decision quote this exact passage“a company subject to FCRA does not act in reckless disregard of it unless the action is not only a violation under a reasonable reading of the statute’s terms, but shows that the company ran a risk of violating the law substantially greater than the risk associated with a reading that was merely careless.”
1 later decision quote this exact passage
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.