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PEREZ v. RENT-A-CENTER, INC.

892 A.2d 1255 (2006)

186 N.J. 188

Hilda PEREZ, on Behalf of Herself and All Others Similarly Situated, Plaintiff-Appellant, v. RENT-A-CENTER, INC., Defendant-Respondent.

Supreme Court of New Jersey.

Decided March 15, 2006.

Attorney(s) appearing for the Case

Seth R. Lesser, New York, NY, argued the cause for appellant (Locks Law Firm, Williams Cuker & Berezofsky and William A. Riback, attorneys; Mr. Lesser, Mr. Riback and Mark R. Cuker, Philadelphia, PA, on the briefs).

Ezra D. Rosenberg argued the cause for respondent (Dechert, attorneys; Mr. Rosenberg, David A. Kotler and Thomas Kane, Princeton, on the briefs).

Melville D. Miller, Jr., President, argued the cause for amicus curiae Legal Services of New Jersey (Mr. Miller, attorney; David G. McMillin and Christopher Hill, on the briefs).

Michaelene Loughlin, Hackensack, submitted a brief on behalf of amicus curiae Consumers League of New Jersey (Loughlin & Latimer, attorneys).

Steven L. Wittels, Armonk, submitted a brief on behalf of amici curiae National Consumer Law Center, Consumer Federation of America, New Jersey Public Interest Research Group Citizen Lobby and U.S. Public Interest Research Group (Sanford Wittels & Heisler, attorneys).

Justice LONG delivered the opinion of the Court.

On this appeal, we have been asked to determine whether rent-to-own contracts are subject to certain consumer protection statutes. Specifically, the parties question whether the Retail Installment Sales Act ("RISA"), N.J.S.A. 17:16C-1 to -61; the interest rate cap in the criminal usury statute, N.J.S.A. 2C:21-19; and the Consumer Fraud Act ("CFA"), N.J.S.A. 56:8-1 to -135, apply to such arrangements...

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