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KLEVEN v. HOUSEHOLD BANK F.S.B.

No. 02-3127.

334 F.3d 638 (2003)

Yvette Gaff KLEVEN, Trustee, Mark A. Warsco, Trustee, David R. Dubois, Trustee, Plaintiffs-Appellants, v. HOUSEHOLD BANK F.S.B., Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided June 30, 2003.

Attorney(s) appearing for the Case

Robert L. Nicholson (argued), Beckman Lawson, Fort Wayne, IN, for Yvette Kleven, Mark A. Warsco and David R. DuBois.

Charles H. Carpenter (argued), Pepper Hamilton, Washington, DC, for Household Bank F.S.B.

Before RIPPLE, EVANS, and WILLIAMS, Circuit Judges.

TERENCE T. EVANS, Circuit Judge.

Today, some people can buy a luxury automobile, say a Lexus or a Cadillac, and pay it off with an interest-free loan. The signs are everywhere: "Zero % financing." People in the market for luxury cars, however, are not in the market for Refund Anticipation Loans (RALs), the subject of the appeal in this case. RALs attract millions of people who are short on cash — those who either can't wait, or choose not to wait, for the Internal...

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