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JOHNSON v. McCRACKIN-STURMAN FORD, INC.

Nos. 75-1659, 75-1661.

527 F.2d 257 (1975)

William JOHNSON and Joan Johnson, his wife, Appellants and Cross-Appellees, v. McCRACKIN-STURMAN FORD, INC., and Ford Motor Credit Company, Inc., Appellees and Cross-Appellants.

United States Court of Appeals, Third Circuit.

Decided December 16, 1975.

Attorney(s) appearing for the Case

Lewis M. Taffer, Pittsburgh, Pa., for appellants and cross-appellees.

Gilbert J. Helwig, Joseph Van Buskirk, Reed, Smith, Shaw & McClay, Alexander C. Sherrard, Campbell, Thomas & Burke, Henry W. Fulton, Jr., Kenney, Stevens, Clark & Semple, Pittsburgh, Pa., for appellee, McCrackin-Sturman Ford, Inc.

Edwin L. Klett, Robert W. Doty, Eckert, Seamans, Cherin & Mellott, Pittsburgh, Pa., for Ford Motor Credit Co.

Before VAN DUSEN, MARIS and HUNTER, Circuit Judges.

OPINION OF THE COURT

JAMES HUNTER, III, Circuit Judge:

This appeal presents a question of great importance to consumers and to persons and institutions extending consumer credit in the United States. We are called upon to determine whether the Truth in Lending Act1 and Regulation Z2 thereunder require a creditor to disclose an acceleration clause where state law provides that the creditor must rebate...

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