Since 2011. An occasional commonplacing of the U.S. Circuit Courts of Appeal.
Not written by a barrister. The name was thought up by a second-year American law student sitting in a coffeehouse in Manhattan. Neither an authoritative statement of the law nor legal advice. Don't rely. Quick work.
Fourth Circuit: Philip McFarland v. Wells Fargo Bank, N.A.
Contracts
Under state law, lack of a showing on substantive unconscionability of the agreement does not bar a finding of unconscionable inducement.