Fischl v. General Motors Acceptance Corp.’s Empirical Analysis
708 F.2d 143 · 1983
Citation profile
28 federal appellate · 5 district · 1 state decisions
How this case has been cited
Cited by 66 later decisions — most recently February 2025 · most notably Pinner v. Schmidt (1986), Cousin v. Trans Union Corp. (2001)
28 federal appellate · 5 district · 1 state decisions
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. § 1601 (§ 102 of the Truth in Lending Act) · 15 U.S.C. § 1681 · 15 U.S.C. § 1681M · 15 U.S.C. § 1681S · 15 U.S.C. § 1691 (Sherman Antitrust Act) · 15 U.S.C. § 1691B · 15 U.S.C. § 1691C · 15 U.S.C. § 1691E
Relies on Reiter v. Sonotone Corp. · Ford Motor Credit Co. v. Milhollin · Watt v. Alaska · Francis v. United States · Millstone v. O'Hanlon Reports, Inc.
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 66 citing decisions cite the case generally; a passage count includes only decisions quoting that exact language verbatim.
“reliance on data contained in [a consumer's] credit report”
6 later decisions quote this exact passage · from the majoritye.g. Jason Ray Reynolds Matthew Rausch v. Hartford Financial Services Group, Inc. Hartford Fire Insurance Company, Ajene Edo v. Geico Casualty Company, and Geico General Insurance Company Geico Indemnity Company Government Employees Insurance Company, Subsidiaries of Geico Corporation · Jason Ray Reynolds Matthew Rausch v. Hartford Financial Services Group, Inc. Hartford Fire Insurance Company, Ajene Edo v. Geico Casualty Company, and Geico General Insurance Company Geico Indemnity Company Government Employees Insurance Company, Subsidiaries of Geico Corporation“information contained in a consumer report”
6 later decisions quote this exact passage · from the majoritye.g. Jason Ray Reynolds Matthew Rausch v. Hartford Financial Services Group, Inc. Hartford Fire Insurance Company, Ajene Edo v. Geico Casualty Company, and Geico General Insurance Company Geico Indemnity Company Government Employees Insurance Company, Subsidiaries of Geico Corporation · Jason Ray Reynolds Matthew Rausch v. Hartford Financial Services Group, Inc. Hartford Fire Insurance Company, Ajene Edo v. Geico Casualty Company, and Geico General Insurance Company Geico Indemnity Company Government Employees Insurance Company, Subsidiaries of Geico Corporation“(1) Within thirty days (or such longer reasonable time as specified in regulations of the Board for any class of credit transaction) after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application. (2) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies this obligation by— (A) providing statements of reasons in writing as a matter of course to applicants against whom adverse action is taken; or (B) giving written notification of adverse action which discloses (i) the applicant’s right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and (ii) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request. (3) A statement of reasons meets the requirements of this section if it contains the specific reasons for the adverse action taken.”
4 later decisions 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.