James Greenway v. Information Dynamics, Ltd., Etc.

I respectfully dissent because I believe that the activities of the appellant Information Dynamics, Ltd. (IDL) do not fall within the purview of the statute.

Information about a consumer’s bad check-writing habits does concededly “bear on” his “character, general reputation, personal characteristics, or mode of living.” [15 U.S.C. § 1681a(d).] But a check drawn on a commercial bank is tantamount to cash. It is a “commercial device intended for use as a temporary expedient for actual money, and generally designed for immediate payment, and not for circulation.” Black’s Law Dictionary 301 (4th…