Court Opinion

ID: 9588309
Source: CourtListenerOpinion
Date Created: 2023-08-21 23:32:43.682237+00
Date Added: 2024-06-11T17:58:30.476398
License: Public Domain

Pannell, Judge,
dissenting. I dissent from paragraph (b) of Division 2 of the opinion because of the failure of the lender to label *14the fee charged for making the loan "prepaid finance charge,” as required by regulation Z. Calling this fee a portion of "total finance charge” is decidedly different than calling it a part of a "prepaid finance charge.” A "prepaid finance charge” is necessarily a part of the total, but separate charges making up the total are not necessarily prepaid. Martin v. Glenn’s Furniture Co., 126 Ga. App. 692 (191 SE2d 567) is controlling in the instant case and is not distinguishable for the reasons given in the majority opinion. One violation is sufficient.
I am authorized-to state that Judges Quillian and Stolz, concur in this dissent.