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Truth In Lending 'Simplified': Simplified?, Ralph J. Rohner
Truth In Lending 'Simplified': Simplified?, Ralph J. Rohner
Scholarly Articles
Disclosure of credit terms has been viewed as a primary means of protecting consumers from fraud and deception in credit transactions. To enhance the value of disclosure, Congress enacted the Truth in Lending Simplification and Reform Act of 1980. Professor Rohner analyzes this attempt to simplifij crcdit cost disclosures and finds that the new Act is no more likely to increase consumer protection than the original Truth in Lending Act. The new Act does solve some problems, but does nothing about others and even introduccs further complexities into credit transactions. Among the difficulties left unaddressed by the new Act are …
1980 Annual Survey Of Consumer Financial Services Law Developments, Ralph J. Rohner
1980 Annual Survey Of Consumer Financial Services Law Developments, Ralph J. Rohner
Scholarly Articles
No abstract provided.
The 'Most Favored Lender' Doctrine For Federally Insured Financial Institutions: What Are Its Boundaries?, Ralph J. Rohner, Coreen S. Arnold
The 'Most Favored Lender' Doctrine For Federally Insured Financial Institutions: What Are Its Boundaries?, Ralph J. Rohner, Coreen S. Arnold
Scholarly Articles
The legislative history for the DIDMCA amendments is sparse, and agency interpretations have barely begun to explore the possible nuances of a rule that allows one lender to borrow the rate structure authorized for other lenders. Opinions on these issues under the older National Bank Act are limited, and there is little definitive judicial construction of the DIDMCA amendments. Meanwhile, several bills are pending which would completely preempt state usury laws for all consumer credit transactions, thus rendering moot many questions about of the scope of the most favored lender doctrine. But the enactment of such preemptive legislation is speculative, …