Household Credit Services, Inc. and Mbna America Bank, N. a. v. Sharon R. Pfennig
Decided April 21, 2004. Clarence Thomas delivered the opinion of the Court.
Docket 02-857 · 541 U.S. 232 (2004) · Cited 178 times
Holding
Regulation Z is not an unreasonable interpretation of § 1605.
The Court’s statement of the holding, from the opinion’s syllabus. The syllabus is prepared by the Reporter of Decisions and is not part of the opinion of the Court — read the official opinion for authority.
How the Justices voted
Decided 9–0.
Majority · 9
“Concurring” means agreeing with the outcome; any split shown is the Court’s judgment, not each Justice’s reasoning. Source: the Supreme Court Database (Spaeth et al.), Washington University.
Precedents cited
Supreme Court decisions this opinion relies on, ordered by how often it cites each. Cases in our collection link through; others are named.
- Ford Motor Credit Co. v. Milhollin · 444 U.S. 555 (1980)
- Chevron U. S. A. Inc. v. Natural Resources Defense Council, Inc. · 467 U.S. 837 (1984)
- United States v. Mead Corp. · 533 U.S. 218 (2001)
- K Mart Corp. v. Cartier, Inc. · 486 U.S. 281 (1988)
- Norwegian Nitrogen Products Co. v. United States · 288 U.S. 294 (1933)
- Northwest Airlines, Inc. v. County of Kent · 510 U.S. 355 (1994)
- Holly Farms Corp. v. National Labor Relations Board · 517 U.S. 392 (1996)
Cited by
Later Supreme Court opinions in our collection that cite this case.
- City of Arlington v. Fed. Commc'ns Comm'n · 569 U.S. 290 (2013)
- Gonzales v. Oregon · 546 U.S. 243 (2006)
- National Cable & Telecommunications Assn. v. Brand X Internet Services · 545 U.S. 967 (2005)
- Judulang v. Holder · 565 U.S. 42 (2011)
Official text
Read the official opinion (U.S. Reports, govinfo.gov)
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Source: Supreme Court of the United States, slip opinions (2004). Citation count from the Free Law Project’s CourtListener bulk data. Data last verified 2026-07-03. Informational only; verify against the primary source before relying. Not a consumer report (FCRA).