Consumer Transactions
, by Greenfield, Michael M.- ISBN: 9780882778273 | 0882778277
- Cover: Hardcover
- Copyright: 11/1/1990
The Third Edition of this ground-breaking casebook retains its predecessors' highly successful transactional approach & emphasis on numerous problems & probing questions. The new edition contains six new cases, dozens of new questions & reflects statutory & regulatory developments during the years since publication of the last edition.
Preface | p. v |
Acknowledgments | p. vii |
Table of Cases | p. xix |
Table of Statutes | p. xxvii |
Table of Federal Rules and Regulations | p. xxxix |
Introduction | p. 1 |
Freedom of Contract and Government Intervention | p. 1 |
Types of Consumer Credit Transactions | p. 3 |
Problems in Formation | |
Deception--The Response of the Common Law | p. 6 |
Jones v. West Side Buick Auto Co. | p. 7 |
Vokes v. Arthur Murray, Inc. | p. 16 |
Halpert v. Rosenthal | p. 24 |
Ollerman v. O'Rourke Co., Inc. | p. 32 |
Davey v. Brownson | p. 47 |
Deception--Legislative Solutions at the Federal Level: The Federal Trade Commission Act | p. 51 |
Introduction | p. 51 |
The Meaning of "Deceptive Acts or Practices" | p. 52 |
Charles of the Ritz Distributors Corp. v. FTC | p. 52 |
In re International Harvester Co. | p. 60 |
In re Leon A. Tashof | p. 73 |
Remedies Under the FTC Act | p. 85 |
Warner-Lambert Co. v. FTC | p. 86 |
Topical Statutes | p. 103 |
Odometer Fraud | p. 103 |
Tusa v. Omaha Auto Auction, Inc. | p. 106 |
Levine v. Parks Chevrolet, Inc. | p. 109 |
Telemarketing | p. 111 |
New York v. Financial Services Network, USA | p. 113 |
Deception--Legislative Solutions At The State Level | p. 120 |
Comprehensive Statutes | p. 120 |
Searle v. Exley Express, Inc. | p. 120 |
Weitzel v. Barnes | p. 129 |
Weigel v. Ron Tonkin Chevrolet Co. | p. 134 |
Golt v. Phillips | p. 141 |
Fenwick v. Kay American Jeep, Inc. | p. 145 |
Topical Statutes | p. 155 |
Referral Sales | p. 156 |
Regulation of a Trade or Industry | p. 157 |
Preemption | p. 164 |
Jones v. Rath Packing Co. | p. 164 |
Kellerman v. MCI Telecommunications Corporation | p. 173 |
Criminal Sanctions | p. 180 |
The Need for Information | p. 183 |
Introduction to the Truth-in-Lending Act | p. 183 |
Scope of the Truth-in-Lending Act | p. 188 |
Timing of the Disclosure | p. 190 |
Content of the Disclosure | p. 190 |
Closed-end Credit | p. 191 |
Open-end Credit | p. 195 |
Benion v. Bank One | p. 196 |
Leases | p. 203 |
Rent-to-Own | p. 208 |
Clarity | p. 210 |
Advertising Credit Terms | p. 213 |
Enforcement of the Truth-in-Lending Act | p. 216 |
Magnuson-Moss Warranty Act | p. 218 |
Plain Language Laws | p. 219 |
Perspectives | p. 220 |
Qualifying For Credit | p. 223 |
Introduction to the Fair Credit Reporting Act | p. 223 |
Privacy Protection Study Commission, Personal Privacy in an Information Society (1977) | p. 224 |
Scope of the Act | p. 228 |
Greenway v. Information Dynamics, Ltd. | p. 228 |
Obligations of Users of Consumer Reports | p. 236 |
Obligations of Creditors | p. 238 |
Obligations of Consumer Reporting Agencies | p. 238 |
Austin v. Bankamerica Service Corp. | p. 239 |
Koropoulos v. Credit Bureau, Inc. | p. 242 |
Credit Repair Organizations | p. 258 |
Preemption | p. 259 |
Discrimination in Granting Credit | p. 260 |
Introduction to the Equal Credit Opportunity Act | p. 260 |
Prohibited Bases | p. 264 |
Markham v. Colonial Mortgage Service Co., Associates, Inc. | p. 264 |
Reasons for Adverse Action | p. 272 |
Enforcement | p. 279 |
Cherry v. Amoco Oil Co. | p. 282 |
Preemption | p. 289 |
Is It Working? | p. 290 |
Regulation of the Bargain | |
Quality Standards | p. 294 |
Introduction | p. 294 |
Strict Liability in Tort | p. 295 |
Greenman v. Yuba Power Products, Inc. | p. 295 |
The Uniform Commercial Code and Contractual Modification of Quality Standards | p. 308 |
Berg v. Stromme | p. 311 |
Knipp v. Weinbaum | p. 318 |
Murray v. Holiday Rambler, Inc. | p. 322 |
Beyond the UCC | p. 335 |
Lemon Laws | p. 335 |
Magnuson-Moss Warranty Act | p. 339 |
Used Cars | p. 346 |
The Next Step | p. 347 |
The Standard of Quality: How High and How Precise? | p. 362 |
Services | p. 363 |
Newmark v. Gimbel's, Inc. | p. 363 |
Hoven v. Kelble | p. 367 |
Limits on the Price of Credit | p. 378 |
Sale Credit and Loan Credit | p. 378 |
Ways of Presenting the Cost of Credit | p. 380 |
Judicial Interpretation of Rate Regulation Statutes | p. 380 |
Loan or Forbearance | p. 380 |
Carper v. Kanawha Banking and Trust Co. | p. 380 |
Principal Amount and Duration of the Loan | p. 393 |
Tri-County Federal Savings and Loan Association v. Lyle | p. 393 |
Cost of the Loan | p. 398 |
Equitable Life Assurance Society v. Scali | p. 399 |
Martorano v. Capital Finance Corp. | p. 405 |
Culpepper v. Inland Mortgage Corporation | p. 413 |
Prepayment and Refinancing | p. 420 |
Davis v. Hinton | p. 420 |
In re Branch | p. 424 |
Remedies | p. 430 |
Open-end Credit | p. 431 |
The Broader Question | p. 434 |
Wallace, The Uses of Usury: Low Rate Ceilings Reexamined | p. 437 |
Other Limits on the Terms of the Deal | p. 452 |
Broadly Phrased Standards | p. 452 |
Williams v. Walker-Thomas Furniture Co. | p. 452 |
Cheshire Mortgage Service, Inc. v. Montes | p. 456 |
Perdue v. Crocker National Bank | p. 471 |
Commonwealth v. DeCotis | p. 479 |
Letter From FTC to Consumer Subcommittee of Senate Committee on Commerce, Science, and Transportation | p. 484 |
In re International Harvester Co. | p. 490 |
Best v. United States National Bank | p. 504 |
Topical Statutes | p. 511 |
Prohibition of Objectionable Terms | p. 511 |
Regulation of Troublesome Transactions | p. 513 |
Credit Insurance | p. 517 |
Introduction | p. 517 |
Excessive Coverage | p. 518 |
Coercion | p. 521 |
In re Uslife Credit Corp. | p. 526 |
Uslife Credit Corp. v. Federal Trade Commission | p. 535 |
Excessive Price | p. 538 |
Robinson v. Rebsamen Ford, Inc. | p. 541 |
Browder v. Hanley Dawson Cadillac Co. | p. 543 |
Statutory and Administrative Price Controls | p. 551 |
Claims Abuse | p. 557 |
Refinancing | p. 558 |
Property Insurance | p. 559 |
Enforcement by the Creditor | |
Coercive Collection Tactics | p. 564 |
Common Law Limits | p. 565 |
Public Finance Corp. v. Davis | p. 565 |
Voneye v. Turner | p. 575 |
Statutory Intervention | p. 582 |
Collection Practices | p. 582 |
Jeter v. Credit Bureau, Inc. | p. 589 |
Fair Credit Billing Act | p. 601 |
Enforcement of the Security Interest | p. 603 |
Acceleration and the Definition of Default | p. 606 |
Fontaine v. Industrial National Bank | p. 606 |
Repossession | p. 615 |
Deavers v. Standridge | p. 615 |
Right to a Deficiency Judgment | p. 622 |
Imperial Discount Corp. v. Aiken | p. 623 |
Wilmington Trust Co. v. Conner | p. 624 |
In re Ford Motor Co. | p. 641 |
Restrictions on the Use of Security Interests | p. 644 |
Leases | p. 645 |
Other Contractual and Procedural Devices to Facilitate Collection | p. 648 |
Wage Assignments | p. 648 |
Agreements and Statutes Concerning Procedure | p. 649 |
Confession of Judgment | p. 649 |
Default Judgments | p. 651 |
Vargas v. Allied Finance Co. | p. 656 |
Schubach v. Household Finance Corp. | p. 658 |
Attorney's Fees | p. 665 |
Peoples Finance and Thrift Co. v. Blomquist | p. 665 |
New Finance, Ltd. v. Ellis | p. 666 |
Waiver of Exemptions | p. 671 |
Cosigners | p. 672 |
Enforcement by the Consumer | |
Against Whom? | p. 677 |
Liability of the Franchisor for the Misconduct of the Franchisee | p. 678 |
Drexel v. Union Prescription Centers, Inc. | p. 679 |
Liability of the Financer for the Misconduct of the Seller | p. 695 |
Background | p. 695 |
The FTC Rule | p. 700 |
Transactions Covered | p. 700 |
Consequences of Noncompliance | p. 702 |
Iron and Glass Bank v. Franz | p. 702 |
Effectiveness of the Rule | p. 706 |
Ford Motor Credit Company v. Morgan | p. 708 |
Credit Cards | p. 715 |
Nature of the Claim or Defense | p. 717 |
Misconduct of the Financer or Other Third Parties | p. 718 |
Financers | p. 719 |
Real Estate Brokers | p. 720 |
Endorsers | p. 721 |
Corporate Officers and Directors | p. 721 |
Others | p. 722 |
Federal Trade Commission Act | p. 722 |
Remedies | p. 724 |
Escape From the Deal | p. 724 |
Transactions in Goods | p. 724 |
Jones v. Abriani | p. 724 |
Other Transactions | p. 730 |
Mayfield v. Vanguard Savings and Loan Association | p. 733 |
Obtaining the Benefit of the Deal | p. 738 |
Increasing the Recovery | p. 739 |
Attorney's Fees | p. 739 |
Postow v. Oriental Building Association | p. 743 |
Freeman v. B and B Associates | p. 759 |
Minimum Damages | p. 767 |
Scott v. Western International Surplus Sales, Inc. | p. 767 |
Harris v. Beneficial Finance Co. | p. 772 |
Punitive Damages | p. 774 |
Hibschman Pontiac, Inc. v. Batchelor | p. 775 |
Jones v. Abriani | p. 778 |
Reducing the Costs | p. 786 |
Nonjudicial Mechanisms | p. 786 |
Rollins, Inc. v. Foster | p. 790 |
Enforcement by a Public Agency | p. 796 |
Kugler v. Romain | p. 798 |
Small Claims Courts | p. 804 |
Class Actions | p. 806 |
Edelman v. Lee Optical Co. | p. 807 |
Brooks v. Midas-International Corp. | p. 810 |
Parker v. George Thompson Ford, Inc. | p. 815 |
Index | p. 825 |
Table of Contents provided by Syndetics. All Rights Reserved. |
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