Toth v. Michigan State Housing Development Authority

United States Court of Appeals for the Sixth Circuit

136 F.3d 477 (1998)

Relevant factsFree

MSHDA (defendant) denied Toth's (plaintiff) home-improvement loan application under a policy against processing applications within three years of an applicant's bankruptcy discharge, and Toth sued alleging this violated § 525(a)'s antidiscrimination protections for former debtors.

IssueFree

Whether the antidiscrimination provision set forth at 11 U.S.C. § 525(a) applies to a denial of financing by a government home-loan program.

Holding & reasoning

The court resolved the question by applying the controlling rule to the facts and explaining precisely why the outcome followed. Its reasoning ties the doctrine to the record so you can reproduce the analysis on an exam.

Procedural history, concurrence & dissent

This section traces the case from the trial court through appeal and lays out how each opinion lands. Separate writings sharpen the majority's limits and flag the arguments most likely to resurface in class.

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