Problems and Materials on Consumer Law
, by Whaley, Douglas J.
- ISBN: 9780316932349 | 0316932345
- Cover: Hardcover
- Copyright: 5/1/1991
Douglas J. Whaley is James W. Shocknessy Professor of Law, The Michael E. Moritz College of Law at The Ohio State University.
| Acknowledgments | p. xix |
| Introduction to the Practice of Consumer Law | p. xxi |
| Fraud and Deceptive Practices | p. 1 |
| Fraud | p. 1 |
| Fischer v. Division West Chinchilla Ranch | p. 3 |
| Questions | p. 12 |
| Quotes for the Attorney's Arsenal: "Opinions as Facts" | p. 13 |
| Anderson v. Knox | p. 13 |
| Quotes for the Attorney's Arsenal: "Unreasonable Reliance" | p. 26 |
| Joyner v. Albert Merrill School | p. 28 |
| Deceptive Practices | p. 37 |
| Odometers | p. 37 |
| Federal Odometer Act | p. 38 |
| Federal Odometer Regulations | p. 48 |
| Delay v. Hearn Ford | p. 55 |
| Nieto v. Pence | p. 59 |
| Unfair or Deceptive Sales Practices | p. 63 |
| Unordered Merchandise | p. 63 |
| Postal Reorganization Act of 1970 | p. 63 |
| The Federal Trade Commission | p. 64 |
| In re Arthur Murray Studio of Washington, Inc. | p. 64 |
| F.T.C. Regulation of Funeral Industry Practices | p. 72 |
| Guernsey v. Rich Plan of the Midwest | p. 83 |
| State Statutes | p. 90 |
| Carlill v. Carbolic Smoke Ball Company | p. 91 |
| Quotes for the Attorney's Arsenal: "Puffing" | p. 98 |
| Kugler v. Romain | p. 99 |
| Illegality: The Ultimate Penalty | p. 105 |
| Bennett v. Hayes | p. 105 |
| Referral Schemes | p. 107 |
| Quotes for the Attorney's Arsenal: "Referral Plans" | p. 108 |
| People ex rel. Hartigan v. Unimax | p. 108 |
| Telemarketing | p. 114 |
| Quotes for the Attorney's Arsenal: "Telephone Solicitations" | p. 115 |
| Home Solicitations | p. 115 |
| Quotes for the Attorney's Arsenal: "Cooling-Off Periods" | p. 117 |
| Interstate Land Sales | p. 118 |
| Interstate Land Sales Full Disclosure Act | p. 119 |
| H.U.D. Regulations of Interstate Land Sales | p. 133 |
| N & C Properties v. Pritchard | p. 147 |
| Schatz v. Jockey Club Phase III | p. 152 |
| R.I.C.O. | p. 156 |
| Sedima, S.P.R.L. v. Imrex Co. | p. 156 |
| Kenty v. Bank One, Columbus, N.A. | p. 167 |
| Product Quality and the Consumer | p. 175 |
| Product Quality Generally | p. 177 |
| Strict Product Liability | p. 177 |
| Restatement (Second) of Torts [section]402A | p. 178 |
| Leichtamer v. American Motors Corp. | p. 179 |
| State Warranty Law | p. 192 |
| Types of Warranties | p. 192 |
| Quotes for the Attorney's Arsenal: "Puffing" | p. 193 |
| Remedies for Breach of Warranty | p. 195 |
| Quotes for the Attorney's Arsenal: "Shaken Faith" | p. 198 |
| Quotes for the Attorney's Arsenal: "Endless Repairs" | p. 198 |
| Quotes for the Attorney's Arsenal: "The Car Dealer's Obligation" | p. 198 |
| Used Cars and Warranties | p. 199 |
| Warranties in Service Contracts | p. 199 |
| Warranties and the Sale of Homes | p. 200 |
| Humber v. Morton | p. 200 |
| Quotes for the Attorney's Arsenal: "Disclaiming Realty Warranties" | p. 210 |
| Federal Quality Control Statutes | p. 211 |
| The Magnuson-Moss Warranty Act | p. 211 |
| Universal Motors v. Waldock | p. 214 |
| Consumer Product Safety Act | p. 220 |
| The Consumer Product Safety Act | p. 221 |
| Payne v. A.O. Smith Corp. | p. 244 |
| Zepik v. Tidewater Midwest, Inc. | p. 247 |
| Credit | p. 257 |
| Payment and Consumers | p. 259 |
| Promissory Notes | p. 259 |
| Quotes for the Attorney's Arsenal: "The Standards Applicable to Consumers" | p. 261 |
| Ford Motor Credit Co. v. Morgan | p. 262 |
| Credit Cards | p. 268 |
| Common Law | p. 268 |
| Walker Bank & Trust Co. v. Jones | p. 268 |
| Gray v. American Express Co. | p. 277 |
| Regulation Z | p. 287 |
| Hyland v. First USA Bank | p. 289 |
| Billing Disputes | p. 294 |
| The Common Law | p. 294 |
| The Fair Credit Billing Act | p. 297 |
| Dillard Department Stores, Inc. v. Owens | p. 298 |
| Bell v. May Dept. Stores Co. | p. 305 |
| Electronic Fund Transfers | p. 313 |
| Documentation | p. 314 |
| Issuing the Card | p. 314 |
| Preauthorized EFTs | p. 315 |
| Error Resolution | p. 316 |
| Unauthorized Transfers | p. 317 |
| Ognibene v. Citibank, N.A. | p. 319 |
| The Bank's Civil Liability | p. 323 |
| Complaints | p. 323 |
| Failure to Make or Stop Payment | p. 323 |
| General Liability | p. 324 |
| Qualifying for Credit | p. 325 |
| The Fair Credit Reporting Act | p. 325 |
| Quotes for the Attorney's Arsenal: "Destruction of Reputation by Computer" | p. 325 |
| Millstone v. O'Hanlon Reports | p. 327 |
| Bakker v. McKinnon | p. 335 |
| Trans Union Corporation v. Federal Trade Commission | p. 342 |
| The Equal Credit Oppuntunity Act | p. 352 |
| Markham v. Colonial Mortgage Service Co. Associates | p. 353 |
| Scope | p. 359 |
| Applications | p. 360 |
| Louise R. Eure v. Jefferson National Bank | p. 361 |
| Evaluation | p. 367 |
| Evaluation Systems | p. 367 |
| Federal Reserve Board Press Release | p. 367 |
| Effects Test | p. 371 |
| Cherry v. Amoco Oil Co. | p. 372 |
| Age | p. 378 |
| Credit History | p. 378 |
| Extension of Credit | p. 379 |
| Special-Purpose Credit Programs | p. 380 |
| Notifications | p. 380 |
| Pierce v. Citibank (South Dakota) | p. 380 |
| Credit Reports | p. 385 |
| Monitoring | p. 385 |
| Attorneys' Fees | p. 385 |
| Truth in Lending: Disclosure | p. 387 |
| Usury | p. 387 |
| History Lesson | p. 387 |
| The Calculations | p. 388 |
| Antonelli v. Neumann | p. 390 |
| The Confusion | p. 393 |
| Quotes for the Attorney's Arsenal: "Sniffing Out Usury" | p. 395 |
| Time Price Differential | p. 397 |
| Truth in Lending: The Federal Response | p. 398 |
| Introduction | p. 398 |
| Scope | p. 399 |
| Mourning v. Family Publications Service | p. 400 |
| Quotes for the Attorney's Arsenal: "Expertise of the Board" | p. 408 |
| Adiel v. Chase Federal Savings & Loan Assn. | p. 410 |
| Disclosure: Finance Charge and Annual Percentage Rate | p. 414 |
| Introduction | p. 414 |
| Elements of the Finance Charge | p. 415 |
| First Acadiana Bank v. Federal Deposit Insurance Corp. | p. 416 |
| Gibson v. Bob Watson Chevrolet-Geo, Inc. | p. 421 |
| Bright v. Ball Memorial Hospital Assn. | p. 426 |
| The Annual Percentage Rate | p. 436 |
| Disclosure: Open-End Transactions | p. 436 |
| Smith v. The Cash Store Management, Inc. | p. 437 |
| Consumer Credit Policy Statement No. 4 | p. 445 |
| Mars v. Spartanburg Chrysler Plymouth | p. 448 |
| Disclosure: Closed-End Transactions | p. 453 |
| Gonzalez v. Schmerler Ford | p. 454 |
| Lawson v. Reeves | p. 459 |
| Credit Advertising | p. 463 |
| Credit Insurance | p. 465 |
| Adams v. Plaza Finance Company | p. 467 |
| Stone v. Davis | p. 473 |
| Truth in Lending: Remedies | p. 481 |
| Damages | p. 481 |
| Administrative Enforcement | p. 481 |
| Civil Actions | p. 481 |
| Quotes for the Attorney's Arsenal: "Section 130 Explained" | p. 481 |
| Hamilton v. Ohio Savings Bank | p. 483 |
| Quotes for the Attorney's Arsenal: "Section 130 Explained Further" | p. 486 |
| Quotes for the Attorney's Arsenal: "Legal Technicalities" | p. 486 |
| Mirabal v. General Motors Acceptance Corp. | p. 487 |
| Quotes for the Attorney's Arsenal: "Class Actions and T.I.L." | p. 491 |
| Creditor Defense | p. 492 |
| Reliance on Board | p. 492 |
| Bona Fide Error | p. 492 |
| Mirabal v. General Motors Acceptance Corp. | p. 492 |
| Quotes for the Attorney's Arsenal: "The Unfocused Attorney" | p. 497 |
| Arbitration | p. 498 |
| Green Tree Financial Corp. v. Randolph | p. 498 |
| Home Equity Lending and Rescission | p. 503 |
| Home Equity Lending | p. 503 |
| High Rate/High Fee Mortgages | p. 506 |
| Reverse Mortgages | p. 507 |
| Rescission Rights | p. 508 |
| Scope of the Regulation | p. 509 |
| The Cancellation Period | p. 509 |
| Common Mistakes in Documentation | p. 510 |
| Consummation | p. 510 |
| Jenkins v. Landmark Mortgage Corp. of Virginia | p. 510 |
| The Rescission Notice | p. 517 |
| Material Disclosures | p. 518 |
| Waiver | p. 518 |
| Rodash v. AIB Mortgage Company | p. 519 |
| Rescission Tactics | p. 526 |
| Gerasta v. Hibernia National Bank | p. 527 |
| The Ultimate Penalty | p. 531 |
| Peoples Trust & Savings Bank v. Humphrey | p. 532 |
| Consumer Leasing | p. 539 |
| Article 2A of the Uniform Commercial Code | p. 539 |
| Rent-to-Own Statutes | p. 540 |
| Consumer Leasing Act | p. 541 |
| Curry Corporation v. Mooro | p. 544 |
| The Uniform Consumer Leases Act | p. 546 |
| Retail Installment Sales and Loans | p. 547 |
| Installment Sales | p. 547 |
| Rebates and the Rule of 78 | p. 547 |
| Quotes for the Attorney's Arsenal: "The Rule of 78" | p. 548 |
| Security Interests and Payment Terms | p. 550 |
| Loans to the Consumer | p. 552 |
| Besta v. Beneficial Loan Company | p. 552 |
| Debt Collection | p. 559 |
| The Common Law | p. 559 |
| Norris v. Moskin Stores, Inc. | p. 559 |
| Fair Debt Collection Practices Act | p. 566 |
| Scope | p. 567 |
| The Meaning of "Debt Collector" | p. 567 |
| Quotes for the Attorney's Arsenal: "Threats by an Attorney" | p. 570 |
| Heintz v. Jenkins | p. 570 |
| The Meaning of "Debt" | p. 575 |
| Miller v. McCalla, Raymer, Padrick, Cobb, Nichols and Clark, L.L.C. | p. 576 |
| Locating the Debtor | p. 578 |
| Communications with the Debtor | p. 579 |
| Rutyna v. Collection Accounts Terminal | p. 579 |
| Bartlett v. Heibl | p. 582 |
| Civil Actions | p. 589 |
| Garnishment | p. 590 |
| The Garnishment Exemption | p. 590 |
| Priorities | p. 591 |
| Marshall v. District Court for the 41b Judicial District of Michigan | p. 591 |
| Discharge from Employment | p. 599 |
| Repossession and Resale | p. 599 |
| Klingbiel v. Commercial Credit Corp. | p. 599 |
| Griffith v. Valley of the Sun Recovery and Adjustment Bureau | p. 603 |
| Consumers in Cyberspace | p. 611 |
| Electronic Disclosures | p. 612 |
| Contracting in Cyberspace | p. 613 |
| Hill v. Gateway 2000, Inc. | p. 613 |
| Specht v. Netscape Communications Corp. | p. 618 |
| The Uniform Computer Information Transactions Act | p. 627 |
| Table of Cases | p. 631 |
| Table of Statutes and Regulations | p. 635 |
| Index | p. 643 |
| Table of Contents provided by Syndetics. All Rights Reserved. |
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