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McDANIEL v. FULTON NAT. BANK OF ATLANTA

Nos. 75-2410, 75-2514 and 75-2515.

571 F.2d 948 (1978)

Robert P. McDANIEL, Plaintiff-Appellee-Cross Appellant, v. The FULTON NATIONAL BANK OF ATLANTA, Defendant-Appellant-Cross Appellee. Jan T. BARKSDALE, Plaintiff-Appellee, v. PEOPLES FINANCIAL CORP. OF ALPHARETTA, Defendant-Appellant. James R. BARRETT et al., Plaintiffs-Appellees, v. VERNIE JONES FORD, INC., et al., Defendants-Appellants.

United States Court of Appeals, Fifth Circuit.

April 24, 1978.

Attorney(s) appearing for the Case

Marion H. Allen, III, Atlanta, Ga., for defendant-appellant-cross appellee.

Richard R. Cheatham, Atlanta, Ga., for defendant-appellant-cross appellee, defendant-appellant in No. 75-2514 and defendants-appellants in No. 75-2515.

Sewell K. Loggins, Douglas N. Campbell, Atlanta, Ga., for Beneficial Finance Co., amicus curiae, in all cases.

Ernest L. Sarason, Jr., Willard P. Ogburn, Boston, Mass., for National Consumer Law Center, Inc., amicus curiae, in all cases.

E. Lundy Baety, Atlanta, Ga., for plaintiff-appellee-cross appellant.

Albert C. Ruehmann, III, Atlanta, Ga., for defendant-appellant in No. 75-2514 and defendants-appellants in No. 75-2515.

Graydon W. Florence, Jr., Atlanta, Ga., for plaintiff-appellee.

Mary Joyce Johnson, N. David Buffington, Atlanta, Ga., for plaintiffs-appellees.

Before BROWN, Chief Judge, and TUTTLE, THORNBERRY, COLEMAN, AINSWORTH, GODBOLD, MORGAN, CLARK, RONEY, GEE, TJOFLAT and FAY, Circuit Judges.

GEE, Circuit Judge:

We here reconsider en banc the rule of Martin v. Commercial Securities Co., 539 F.2d 521 (5th Cir. 1976), that neither an acceleration clause nor the lender's rebate policy with respect to acceleration clauses must be disclosed under the Truth-in-Lending Act (the Act).1 Our panel held itself bound by Martin and so holding, disposed...

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