Davis v. Pacific Capital Bank, N.A., 550 F.3d 915 (9th Cir. 2008)

(creditor who imposes flat finance charge that does not vary with the term of a Refund Anticipation Loan need not refund a portion of the charge as "unearned interest" under 15 U.S.C. § 1615 when loan is repaid earlier than anticipated in the loan agreement; finance charge not an "interest" charge).