Statute treatment: 15 USC § 1640

Ranked leading cases interpreting this statute, drawn from 63 citation events across 38 distinct cases.

63citations total

38distinct interpreting cases

13distinct courts

2citations in last 5y

1977–2024year range

Top 20 leading cases

#1 Wilson v. Smurfit Newsprint Corp. (2005) orctapp 26 own cites 4× in case

#2 Adams v. Trust Co. Bank (1992) gactapp 9 own cites 6× in case

#3 First Union National Bank v. Big John's Auto Sales, Inc. (1992) gactapp 7 own cites 6× in case

#4 Long v. Storms (1981) orctapp 11 own cites 4× in case

#5 First Citizens Bank & Trust Co. of South Carolina v. Owings (1979) gactapp 15 own cites 3× in case

#6 Isbell v. Credit Nation Lending Service, LLC (2012) gactapp 24 own cites 2× in case

#7 Vasquez-Lopez v. Beneficial Oregon, Inc. (2007) orctapp 57 own cites 1× in case

#8 Torrance v. Aames Funding Corp. (2002) ord 22 own cites 1× in case

#9 Standish v. Hub Motor Co. (1979) gactapp 8 own cites 2× in case

#10 Quenzer v. Advanta Mortgage Corp. USA (2003) ksd 20 own cites 1× in case

#11 Tri-West Construction Co. v. Hernandez (1979) orctapp 7 own cites 2× in case

#12 Shannon v. Carter (1978) or 16 own cites 1× in case

#13 Long v. Storms (1981) orctapp 15 own cites 1× in case

#14 Community National Bank & Trust Co. v. McClammy (1988) nyappdiv 15 own cites 1× in case

#15 West v. French (1981) orctapp 11 own cites 1× in case

#16 Longee v. Carter (1978) or 10 own cites 1× in case

#17 Cash in Advance of Florida, Inc. v. Jolley (2005) gactapp 10 own cites 1× in case

#18 Garrett v. Fleet Finance, Inc. of Georgia (2001) gactapp 7 own cites 1× in case

#19 HSBC Bank USA, N.A. v. Lien Thi Ngo (2021) nyappdiv 6 own cites 1× in case

#20 DBI Architects, P.C. v. American Express Travel Related Services Co. (2006) dcd 6 own cites 1× in case

Ranking method: leading_score = ln(1 + own_citation_count) × √(mentions_in_case) × flag_factor, where flag_factor = 1.0 green · 0.6 unknown · 0.5 neutral · 0.4 yellow · 0.3 procedural · 0 red. Red-flagged cases excluded — their interpretation has been undermined and shouldn't lead the list. Top 20 returned per statute. Open any case for full G Cite, trajectory, and per-circuit treatment.