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1.1.7 Other Resources

This treatise cites to a number of unreported cases with reference to their availability at www.nclc.org/unreported. The cases there are listed alphabetically by first named party. Documents are available in Adobe Acrobat (PDF) format.

A handful of other unreported cases, generally over twenty years old, are cited in this treatise using a “Clearinghouse” number, assigned by the Sargent Shriver National Center on Poverty Law (formerly the National Clearinghouse for Legal Services). If such cases are recovered from the Shriver Center or from other sources, readers are urged to send copies to NCLC to add to www.nclc.org/unreported.

Few treatises on substantive limits to the interest rate and terms of consumer credit exist, which is one of the reasons that this treatise has been written. Apart from this treatise, the most comprehensive treatments of usury issues are probably contained in the Corpus Juris Secundum (C.J.S.)13 and American Jurisprudence, Second Series (Am. Jur. 2d)14 articles on interest and usury and law review and journal articles cited in this treatise.

A number of topics in this treatise are examined in more detail in other NCLC treatises. Of particular note is NCLC’s Truth in Lending, which goes into greater depth regarding the Truth in Lending Act’s regulation of credit cards, including scope, remedies, creditor defenses, disclosure requirements, and the substantive requirements themselves. NCLC’s Consumer Arbitration Agreements is devoted to challenges to the enforceability of arbitration clauses, while this treatise just provides an overview of that topic in one section in the litigation chapter. State deceptive practices law (UDAP) challenges to credit abuses are considered in this treatise, but far more detail on UDAP statutes’ scope, remedies, defenses, and prohibitions is found in NCLC’s Unfair and Deceptive Acts and Practices.

A good source for summaries of state credit laws is the loose-leaf service Consumer Credit Guide published by Commerce Clearinghouse, Inc. More concise summaries can be found in The Cost of Personal Borrowing in the United States (Financial Publishing Co./Carleton, Inc.). The latter source contains numerous rate tables tailored to individual state usury and credit insurance statutes and can be very helpful with rate calculation issues, but unfortunately it lacks statutory citations. Appendix A, infra, provides many of those statutory citations, as does the Consumer Credit Guide.

Footnotes

  • 13 {13} 47 C.J.S. Interest & Usury; Consumer Credit (2005).

  • 14 {14} 17 Am. Jur. 2d Consumer & Borrower Protection (2004); 44B Am. Jur. 2d Interest & Usury (2007).