Opinion ID: 1702725
Heading Depth: 1
Heading Rank: 16

Heading: The degree of separability from other contracts

Text: As previously discussed, the Deeses' equity line of credit is interrelated with other contracts. In Brown v. Dewitt, Inc., 808 So.2d 11 (Ala.2001), we stated: As noted by this Court in Sisters of the Visitation, the degree of interstate commerce involved in contracts related to the transaction at issue does not determine whether the transaction at issue substantially affects interstate commerce. However, if a finding that the transaction at issue falls outside the reach of the FAA would disrupt the performance of the related contracts or activities that are subject to the FAA, then the degree of interstate commerce involved in those related contracts is to be given greater weight. See Sisters of the Visitation, 775 So.2d at 766-67. 808 So.2d at 14. Here, as in Brown, there is evidence of the procurement of insurance coverage, but, as previously mentioned, there is the additional evidence of a credit report, a flood-data certificate, and accounting and billing services necessary for creating and maintaining the Deeses' line of credit. Thus, we conclude that this final Sisters of the Visitation factor lends some support to a conclusion that the credit agreement evidences a transaction that substantially affects interstate commerce. Giving due consideration to all of these circumstances, we conclude that AmSouth has shown that the aggregate effect of the credit-line transaction substantially involved interstate commerce.