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HOUSEHOLD CREDIT SERVICES, INC. v. PFENNIG

No. 02-857.

541 U.S. 232 (2004)

HOUSEHOLD CREDIT SERVICES, INC., ET AL. v. PFENNIG.

Supreme Court of United States.

Decided April 21, 2004.

Attorney(s) appearing for the Case

Seth P. Waxman argued the cause for petitioners. With him on the briefs were Louis R. Cohen, Christopher R. Lipsett, Richard C. Pepperman II, and William G. Porter.

Barbara B. McDowell argued the cause for the United States as amicus curiae urging reversal. With her on the brief were Solicitor General Olson, Assistant Attorney General Keisler, Deputy Solicitor General Clement, Matthew D. Roberts, James V. Mattingly, Jr., and Katherine H. Wheatley.

Sylvia Antalis Goldsmith argued the cause for respondent. With her on the brief were John T. Murray, Joseph F. Murray, and Brian K. Murphy.*

THOMAS, J., delivered the opinion for a unanimous Court.

JUSTICE THOMAS delivered the opinion of the Court.

Congress enacted the Truth in Lending Act (TILA), 82 Stat. 146, in order to promote the "informed use of credit" by consumers. 15 U. S. C. § 1601(a). To that end, TILA's disclosure provisions seek to ensure "meaningful disclosure of credit terms." Ibid. Further, Congress delegated expansive authority to the Federal Reserve Board (Board) to enact appropriate regulations...

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