Read these two cases on Holder in Due Course.I have highlighted the important parts but read as much as you can to understand them.Two different decisions as to the status of a check cashing business. Are they consistent with each other? Is Any Kind Checks an HDC? Why or why not? Give me your opinion as to whether RR Maloan was a holder in due course, discuss the elements... Should Houston Gold Exchange have had to pay the check?

case 1

830 So.2d 160 (Fla.App. 4 Dist. 2002) 27 Fla. L. Weekly D2203 ANY KIND CHECKS CASHED, INC., a Florida corporation, Appellant, v. JOHN G. TALCOTT, JR., individually, and SALVATORE GUARINO, individually, Appellees. 4D01-2114 Florida Court of Appeal, Fourth District. October 9, 2002 Page 161 Appeal from the Circuit Court for the Nineteenth Judicial Circuit, Martin County; Ben L. Bryan, Jr., Judge; L.T. Case No. 00-154 CA. Barbara J. Scheffer, Palm Beach Gardens, for appellant. Richard H. Levenstein and Kathleen S. Mac Mahon of Kramer, Sewell, Sopko & Levenstein, P.A., Stuart, for appellee John G. Talcott, Jr. Harriett Rae Freeman, West Palm Beach, for Amicus Curiae Financial Service Centers of Florida, Inc. GROSS, J.

case 2

428 S.W.3d 355 (Tex.App.-Houston 2014) RR MALOAN INVESTMENTS, INC., Appellant v. NEW HGE, INC., Appellee No. 14-13-00080-CV Court of Appeals of Texas, Fourteenth District, Houston March 27, 2014 Page 356 [Copyrighted Material Omitted] Page 357 On Appeal from the County Civil Court at Law No. 4, Harris County, Texas. Trial Court Cause No. 1011775. Trial Court Judge Roberta Anne Lloyd. For APPELLANT: Keith T. Gilbert, MAGNOLIA, TX. For APPELLEE: John Charles Lagrappe, HOUSTON, TX. Panel consists of Justices Boyce, Christopher, and Brown. (Christopher, J., dissenting). OPINION Page 358 William J. Boyce, Justice. MAJORITY OPINION