KOONS BUICK PONTIAC GMC, INC. v. NIGH, BRADLEY

Print this Page
Case Basics
Docket No. 
03-377
Petitioner 
Koons Buick Pontiac GMC, Inc.
Respondent 
Nigh, Bradley
Opinion 
Advocates
(argued the cause for Respondent)
(argued the cause for Petitioner)
Tags
Term:
Facts of the Case 

Bradley Nigh bought a car from Koons Buick Pontiac GMC. Nigh later sued the dealership for intentionally charging him for a car feature for which he did not agree to pay. Nigh sued under the federal Truth in Lending Act (TILA). A federal district court awarded Nigh about $24,000. Koons Buick appealed and argued the district court ignored TILA's cap on damages to $1,000. A Fourth Circuit held that a 1995 amendment to the act removed the $1,000 cap on recoveries involving loans secured by personal property.

Question 

Could parties who suffered no actual damages recover more than the Truth in Lending Act's original $1,000 cap because of subsequent amendments to the act?

Conclusion 
Decision: 8 votes for Koons Buick Pontiac GMC, Inc., 1 vote(s) against
Legal provision: Truth in Lending

No. In an 8-1 judgment delivered by Justice Ruth Bader Ginsburg, the Court held that a 1995 TILA amendment did not change the original limit on violations involving personal-property loans. Congress intended the amendment to raise the minimum and maximum recoveries for closed-end loans secured by real property. Congress had not sought to remove the $1,000 cap on loans secured by personal property.

Cite this Page
KOONS BUICK PONTIAC GMC, INC. v. NIGH, BRADLEY. The Oyez Project at IIT Chicago-Kent College of Law. 01 September 2014. <http://www.oyez.org/cases/2000-2009/2004/2004_03_377>.
KOONS BUICK PONTIAC GMC, INC. v. NIGH, BRADLEY, The Oyez Project at IIT Chicago-Kent College of Law, http://www.oyez.org/cases/2000-2009/2004/2004_03_377 (last visited September 1, 2014).
"KOONS BUICK PONTIAC GMC, INC. v. NIGH, BRADLEY," The Oyez Project at IIT Chicago-Kent College of Law, accessed September 1, 2014, http://www.oyez.org/cases/2000-2009/2004/2004_03_377.