Friend v. Termplan Inc.’s Empirical Analysis

Citation profile

9 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 14 citing decisions cite the case generally; a passage count includes only decisions quoting that exact language verbatim.

1. “Additional Information. At the creditor’s or lessor’s option, additional information or explanations may be supplied with any disclosure required by this part, but none shall be stated, utilized, or placed so as to mislead or confuse the customer or lessee or contradict, obscure, or detract attention from the information required by this part to be disclosed.”

   2 later decisions quote this exact passage · from the majority
   e.g. Wright v. Tower Loan of Mississippi, Inc. · Sage v. Freedom Mortgage Co.

2. ““that the term ‘Face Amount of the Contract’ is terminology which is inconsistent with federal disclosures. It conveys no information from which the borrower can compare credit costs. Furthermore, the inclusion of the term adds an additional figure which is similar to the amount financed and the total amount of payments. It can only serve to create confusion in the mind of the borrower who is trying to determine what the loan will cost him and how it- compares to other credit terms.””

   1 later decision quote this exact passage · from the majority
   e.g. Amey v. General Finance Corp. of Georgia (In re Amey)

3. “appear separately and below a conspicuous demarcation line, and are identified by a clear and conspicuous heading indicating that the statements made thereafter are inconsistent with the disclosure requirements of the Federal Truth in Lending Act.”

   1 later decision quote this exact passage · from the majority
   e.g. Wrens Finance Co. v. Prickett (In re Prickett)