Case Name: James GREENWAY et al., Appellees, v. INFORMATION DYNAMICS, LTD., etc., Appellant
Court: United States Court of Appeals for the Ninth Circuit
Jurisdiction: United States
Decision Date: 1975-10-02
Citations: 524 F.2d 1145
Docket Number: No. 75-1311
Parties: James GREENWAY et al., Appellees, v. INFORMATION DYNAMICS, LTD., etc., Appellant.
Judges: Before ELY and WRIGHT, Circuit Judges, and EAST, District Judge.
Reporter: Federal Reporter 2d Series
Volume: 524
Pages: 1145–1148

Head Matter:
James GREENWAY et al., Appellees, v. INFORMATION DYNAMICS, LTD., etc., Appellant.
No. 75-1311.
United States Court of Appeals, Ninth Circuit.
Oct. 2, 1975.
Rehearing Denied Nov. 5, 1975.
Certiorari Dismissed Feb. 26, 1976.
See 96 S.Ct. 1153.
Paul W. Holloway (argued), of Anderson & Holloway, Phoenix, Ariz., for appellant.
Dan J. McAuliffe (argued), of Snell & Wilmer, Phoenix, Ariz., for appellees.
Honorable William G. East, Senior United States District Judge, Eugene, Oregon, sitting by designation.

Opinion:
OPINION
Before ELY and WRIGHT, Circuit Judges, and EAST, District Judge.
PER CURIAM:
We adopt the careful reasoning of Judge Copple, reported at 399 F.Supp. 1092 (D.Ariz.1975). The only contention here made by the appellant is that it is not a "consumer reporting agency". Under the Federal Fair Credit Reporting Act's definition of a "consumer report" (15 U.S.C. § 1681a(d)), the appellant's argument must be rejected. Not only does a report of the previous issuance of an unpayable check bear "on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, [and] personal characteristics . . .", a check itself is, essentially, an instrument of credit.
Affirmed.
. The majority rejects that which it perceives as its Brother Wright's principal thesis, i.e., that supposed legislative history, even if accurate rather than only speculative, can override the plain, unambiguous language of a CongressionalAct and lawful regulations issued under authority conferred by the Act.