[DOWNLOAD] "Household Credit Services, Inc. v. Pfennig" by Supreme Court of the United States " eBook PDF Kindle ePub Free
eBook details
- Title: Household Credit Services, Inc. v. Pfennig
- Author : Supreme Court of the United States
- Release Date : January 21, 2004
- Genre: Law,Books,Professional & Technical,
- Pages : * pages
- Size : 78 KB
Description
Congress enacted the Truth in Lending Act (TILA), 82 Stat. 146, in order to promote the "informed use of credit" by consumers. 15 U. S. C. 1601(a). To that end, TILAs disclosure provisions seek to ensure "meaningful disclosure of credit terms." Ibid. Further, Congress delegated expansive authority to the Federal Reserve Board (Board) to enact appropriate regulations to advance this purpose. 1604(a). We granted certiorari, 539 U. S. 957 (2003), to decide whether the Boards Regulation Z, which specifically excludes fees imposed for exceeding a credit limit (over-limit fees) from the definition of "finance charge," is an unreasonable interpretation of 1605. We conclude that it is not, and, accordingly, we reverse the judgment of the Court of Appeals for the Sixth Circuit.
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