Brack v. Omni Loan Co.
California Court of Appeal
80 Cal. Rptr. 3d 275 (2008)
Joshua Brack (plaintiff) borrowed money from Omni Loan Company, Ltd. (Omni) (defendant), a Nevada corporation. Brack lived in California and obtained the loan from an Omni office in California. The loan included a $104.63 charge for property insurance, a prepaid finance charge, and a 34.89 percent interest rate. Omni did not prominently display a full and accurate schedule of interest rates and other charges in the California office. The loan agreement included a choice-of-law provision that said Nevada law governed the transaction. Brack brought a class action lawsuit against Omni, alleging that the loan violated the California Finance Lenders Law. Omni claimed that the loan agreement’s choice-of-law provision should be enforced, meaning California law would not apply to Omni. The trial court agreed and entered judgment for Omni. Brack appealed to the California Court of Appeal.
Rule of Law
Holding and Reasoning (Benke, J.)
What to do next…
Unlock this case brief with a free (no-commitment) trial membership of Quimbee.
You’ll be in good company: Quimbee is one of the most widely used and trusted sites for law students, serving more than 97,000 law students since 2011. Some law schools—such as Yale, Vanderbilt, Berkeley, and the University of Illinois—even subscribe directly to Quimbee for all their law students. Read our student testimonials.
Learn more about Quimbee’s unique (and proven) approach to achieving great grades at law school.
Quimbee is a company hell-bent on one thing: helping you get an “A” in every course you take in law school, so you can graduate at the top of your class and get a high-paying law job. We’re not just a study aid for law students; we’re the study aid for law students. Read more about Quimbee.
Here's why 176,000 law students have relied on our case briefs:
- Written by law professors and practitioners, not other law students. 14,000 briefs, keyed to 188 casebooks. Top-notch customer support.
- The right amount of information, includes the facts, issues, rule of law, holding and reasoning, and any concurrences and dissents.
- Access in your classes, works on your mobile and tablet. Massive library of related video lessons and high quality multiple-choice questions.
- Easy to use, uniform format for every case brief. Written in plain English, not in legalese. Our briefs summarize and simplify; they don’t just repeat the court’s language.