CENANCE v. BOHN FORD, INC.

Nos. 77-2200, 77-3508, 78-2369, 78-2914, 79-1139, 79-1584, 79-2227, 79-2340, 79-2449 and 79-2672.

621 F.2d 130 (1980)

Janet CENANCE, Plaintiff-Appellee, v. BOHN FORD, INC., Defendant-Appellant, Ford Motor Credit Company, Defendant-Appellant. Nicole ANTONIO, Plaintiff-Appellant, v. CANAL MOTORS, INC., Defendant, Ford Motor Credit Company, Defendant-Appellee. Marion SHROPSHIRE, Plaintiff-Appellee, v. GEORGE THOMPSON FORD, INC., Defendant-Appellee, v. FORD MOTOR CREDIT CORPORATION, Defendant-Appellant. Solomon WIGGS, Plaintiff-Appellee, v. FORD MOTOR CREDIT CORPORATION, Defendant-Appellant. Jimmy W. FARRELL, Plaintiff-Appellee, Cross-Appellant, v. FRANK JACKSON MOTORS, INC., d/b/a Jackson AMC-Jeep, Defendant-Appellant, Cross-Appellee. Randolph BOOKER, Jr., Plaintiff-Appellee, Cross-Appellant, v. FORD MOTOR CREDIT COMPANY, Defendant-Appellant, Cross-Appellee. Nicholas STRZELECKI, Plaintiff-Appellee, v. TERRY FORD COMPANY and Ford Motor Credit Company, Defendants-Appellants. Michael Duane CULVER, Plaintiff-Appellee, v. GREENBRIAR LINCOLN MERCURY SALES, INC. and Ford Motor Credit Company, Defendants, Ford Motor Credit Company, Defendant-Appellant. Dennis VISSICHELLI, Plaintiff-Appellee, v. TERRY FORD COMPANY and Ford Motor Credit Company, Defendants-Appellants. Thomas J. ROGERS and Phyllis Rogers, Plaintiffs-Appellees, v. FRANK JACKSON LINCOLN-MERCURY and Ford Motor Credit Company, Defendants-Appellants.

United States Court of Appeals, Fifth Circuit.

July 9, 1980.


Attorney(s) appearing for the Case

Peter A. Feringa, Jr., Norris S. L. Williams, New Orleans, La., for Ford Motor Credit Co. in Nos. 77-2200 and 77-3508.

John M. Hollingsworth, Jr., Dearborn, Mich., for Ford Motor Credit Co. in No. 77-2200.

William J. Wegmann, New Orleans, La., for Bohn Ford, Inc. in No. 77-2200.

David S. Willenzik, New Orleans, La., for The Consumer Bankers Association, Wash., D. C., et al.

Larry Samuel, New Orleans, La., for Louisiana Consumers' League, Inc.

Joseph W. Thomas, New Orleans, La., for Cenance.

Keith A. Rodriguez, New Orleans, La., for Antonio.

Chaffe, McCall, Phillips, Toler & Sarpy, New Orleans, La., for Ford Motor Credit Co. in No. 77-3508.

Morton P. Levine, Atlanta, Ga., for Ford Motor Credit Corp. in Nos. 78-2369, 78-2914, 79-2227, 79-2340, 79-2449 and 79-2672.

E. Penn Nicholson, Paul W. Bonapfel, Atlanta Ga., for George Thompson Ford, Inc.

Edward L. Baety, Atlanta, Ga., for Marion Shropshire and Solomon Wiggs.

Burgess W. Stone, Atlanta, Ga., for Ford Motor Credit Corp. in Nos. 78-2369, 78-2914, 79-1139, 79-1584, 79-2227, 79-2340, 79-2449 and 79-2672.

Hill, Jones & Farrington, Atlanta, Ga., for Wiggs.

Joseph H. King, Jr., Atlanta, Ga., for Farrell.

Bowen, Derrickson, Goldberg & West, Ralph S. Goldberg, Atlanta, Ga., for Booker.

Graydon W. Florence, Jr., Atlanta, Ga., for Strzelecki and Vissichelli.

Burgess W. Stone, Morton P. Levine, Atlanta, Ga., for defendant-appellant.

Frank L. Derrickson, Atlanta, Ga., for Culver.

Hill, Jones & Associates, Atlanta, Ga., for Rogers.

Before COLEMAN, Chief Judge, PECK, and KRAVITCH, Circuit Judges.


KRAVITCH, Circuit Judge.

The common issues binding these consolidated cases are whether a finance company, Ford Motor Credit Co. [Ford], which routinely finances the sale of automobiles by dealers in exchange for assignment of the original note from the purchaser (1) is a creditor within the meaning of the Truth-in-Lending Act, and (2) whether designation of Ford as "subsequent assignee" adequately describes its relationship...

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