Brown v. Marquette Savings & Loan Ass'n’s Empirical Analysis

Citation profile

53 federal appellate · 4 district · 10 state decisions

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

1. “'[is] an indication that [it] is intended to clarify, rather than change, the existing law.'”

   7 later decisions quote this exact passage · from the dissent
   e.g. Manuel Herrera and Lupe Herrera, Cross-Appellants v. First Northern Savings and Loan Association, Cross · Barnes v. Cohen

2. “provide information to facilitate comparative credit shopping and thereby the informed use of credit by consumers.”

   4 later decisions quote this exact passage · from the majority
   e.g. 435 So. 2d 114 - Trustees Loan & Discount Co. v. Carswell · Walker v. Wallace Auto Sales, Inc.

3. ““Although section 226.8(b)(8) of the Regulation now governs the relationship between the disclosure requirements and the variable rate provisions, it deals only with transactions consummated on or after October 10, 1977. The only relevant authority in effect at the time of the December 5, 1972, transactions dealing with such provisions was Official Board Interpretation 226.810. That Interpretation provided: ‘(a) In some cases a note, contract, or other instrument evidencing an obligation provides for prospective changes in the annual percentage rate or otherwise provides for prospective variation in the rate. The question arises as to what disclosures must be made under these circumstances when it is not known at the time of consummation of the transaction whether such change will occur or the date or amount of change. (b) In such cases, the creditor shall make all disclosures on the basis of the rate in effect at the time of consummation of the transaction and shall also disclose the variable feature. (c) If disclosure is made prior to the consummation of the transaction that the annual percentage rate is prospectively subject to change, the conditions under which such rate may be changed, and, if applicable, the maximum and minimum limits of such rate stipulated in the note, contract, or other instrument evidencing the obligation, such subsequent change in the annual percentage rate in accordance with the foregoing disclosures is a subsequent occurrence under § 226.6(g) and”

   3 later decisions quote this exact passage · from the majority
   e.g. Dennis B. Nash and Linda L. Nash v. First Financial Savings and Loan Association · 566 F. Supp. 834 - Hughes v. Cardinal Federal Savings & Loan Ass'n