| Court: | Kansas Court of Appeals |
| Facts: | Houston bought a television in a rent-to-own plan. She paid more than the fair market value of the TV, then stopped making payments. She had successfully paid off some stuff in the past. Also, she was a welfare mom with three kids and a partial high-school education. |
| Posture: | Multiple cross-appeals and counter-claims. Trial court found for the defendant, and plaintiff appeals. |
| Issue: | Should Federal truth-in-lending rules apply here? Was this deal unconscionable? |
| Holding: | No, and no. Reversed (I think... the end is edited) |
| Rule: | It's not a loan. Therefore no TILA concerns. |
| Reasoning: | The defendant could multiply: she could figure out the price. And she'd done so in the past. |
| Dicta: | |