George Tiller was a mass-murderer. We grieve for him that he did not have time to properly prepare his soul to face God. I am more concerned that the Obama Administration will use Tiller's killing to intimidate pro-lifers into surrendering our most effective rhetoric and actions.... Those men and women who slaughter the unborn are murderers according to the Law of God. We must continue to expose them in our communities and peacefully protest them at their offices and homes, and yes, even their churches.
Objective coverage of church-state and religious liberty developments, with extensive links to primary sources.
Monday, June 01, 2009
Tiller Murder May Impact Sotomayor Hearings
Dutch Cabinet Will Not Move To Repeal Blasphemy Law
Recent Articles of Interest
- Zachary R. Calo, Catholic Social Thought, Political Liberalism, and the Idea of Human Rights, (May 19, 2009).
- Steven Goldberg, Does the Wall Still Stand? The Implications of Transhumanism for the Separation of Church and State, (May 22, 2009).
- Steven Goldberg, The Book of Job and the Role of Uncertainty in Religion and Law, (May 27, 2009).
From SmartCILP and elsewhere:
- Gordon Butler, The Essence of Human Rights: A Religious Critique, 43 University of Richmond Law Review 1255-1317 (2009).
- Symposium. Is There a Higher Law? Does it Matter?, 36 Pepperdine Law Review 463-665 (Special Issue, 2009).
Sunday, May 31, 2009
Church In Zoning Dispute Wants City Held In Contempt of 2006 Order
Indian Court Says It Can Decide What Are Basic Tenets of a Religion
For an issue of religion, an action cannot be bestowed with legitimacy, merely because the action is forward-looking and non-fundamentalist Religion is a package of beliefs or doctrines which all those who adopt the particular religion, are expected to follow. The issue is not of logic, but of faith.... If the tenet concerned is of fundamental importance, it is legitimate for the followers of the faith, to treat the same as unpardonable.... Religion must be perceived as it is, and not as another would like it to be.... Once a Court arrives at the conclusion that a particular aspect of a religion, is fundamental and integral, as per the followers of the faith, it must be given effect to, irrespective of the views expressed on the said issue, based either on science or logic.The Chandigarh (India) Tribune yesterday reported on the decision.
County Backs Off Controversial Zoning Citation Against Bible-Study Group Meetings
Two Employment Discrimination Cases-- One Settled, One Filed
In Phoenix, Arizona, the ACLU announced Friday that it has filed an employment discrimination lawsuit against the Maricopa County Sheriff's Office on behalf of Sinan Fazlovic, a Bosnian Muslim who moved to the United States in 1999. (Full text of complaint.) When Fazlovic accepted a job as a detention officer, he was assured he could continue to wear his beard. However subsequently he was told he would have to shave his beard in order to keep his job, and was denied a religious accommodation. He shaved his beard temporarily, but then regrew it. He was reassigned to a lower paying position and he ultimately resigned. The Phoenix New Times reports on the case. In a statement (full text from Phoenix New Times), the sheriff's office says that its actions were the result of federal OSHA regulations governing the type of face masks authorized for use in jail emergency situations.
Wikipedia Arbitrators Ban Scientology Edits
This longstanding dispute is a struggle between two rival factions: admirers of Scientology and critics of Scientology.... Editors from each side have gamed policy to obtain advantage.... Aggravating factors have been (i) the presence of editors openly editing from Church of Scientology equipment and apparently coordinating their activities; and (ii) the apparent presence of notable critics of Scientology, from several Internet organisations, apparently editing under their own names and citing either their own or each other's self-published material.... Each side wishes the articles within this topic to reflect their point of view and have resorted to battlefield editing tactics, with edits being abruptly reverted without any attempt to incorporate what is good, to maintain their preferred status quo.This is apparently the first time that Wikipedia has imposed such a broad organizational ban on editorial contributors.
Connecticut Diocese Sues To Avoid Registration As Lobbyist
Saturday, May 30, 2009
Israeli Court Orders American Husband To Grant Wife A Religious Divorce
10th Circuit Rejects Valedictorian's Challenge To Limits On Her Religious Remarks
Texas Senate Rejects Creationist As Chairman of State Board of Education
Court Says City Unconstitutionally Applied Law To Restrict Street Preacher
Challenge To National Day of Prayer Survives Dismissal Motion
Thursday, May 28, 2009
6th Circuit Upholds Inclusion of Churches In Detroit's Renovation Funding
The trial court had upheld most of the grants, but invalidated those used for signs and for covering stained-glass windows. (See prior posting.) The 6th Circuit found all the grants valid. The Court of Appeals began its 32-page opinion by finding that plaintiffs had taxpayer standing to bring the lawsuit, distinguishing standing of municipal taxpayers from that of state and federal taxpayers. Moving to the merits, the court held that the Detroit program was neutral and did not have the primary effect of advancing religion. Including churches along with dozens of secular entities would not be seen as an endorsement of their religious views. [Thanks to Brian D. Wassom for the lead.]
Russian Authorities Allow Rescheduling of Matriculation Exams By Jewish Students
Court Refuses To Dismiss Establishment Clause Challenge To AIG Bailout
[T]he fact that AIG is largely a secular entity is not dispositive. "The question in an as-applied challenge is not whether the entity is of a religious character, but how it spends its grant."... In this case, the United States government has a majority interest in AIG. AIG utilizes consolidated financing whereby all funds flow through a single port to support all of its activities, including Sharia-compliant financing. Pursuant to the ESSA, the government has injected AIG with tens of billions of dollars without restricting or tracking how this considerable sum of money is spent.... [A]fter the government acquired a majority interest in AIG... [it] co-sponsored a forum entitled "Islamic Financing 101." These facts, taken together, raise a question of whether the Government's involvement with AIG has created the effect of promoting religion and sufficiently raise Plaintiff's claim beyond the speculative level, warranting dismissal inappropriate at this stage in the proceedings.The Thomas More Law Center which filed the lawsuit issued a press release summarizing the decision. (See prior related posting.)
Alberta Assembly Set To Pass Parental Rights Provisions
Theology Professor Named As US Ambassador To Vatican
Holy Land Foundation Defendants Sentenced
Federal Lawsuit Challenges Prop 8; Some Gay-rights Activists Question Strategy
A number of gay rights activists criticized the filing of the lawsuit, arguing that it could backfire strategically. Yesterday's Examiner says these critics fear that the current Supreme Court would rule against the challenge, and that this would then undermine attempts to get state courts to protect gay marriage under state constitutions. These critics point to another case moving through the federal courts challenging the federal Defense of Marriage Act, which they say is a better first step toward getting federal courts to protect same-sex marriage.
Negotiators On FLDS Land Trust Still Have Not Reached Agreement
According to yesterday's Houston Chronicle, current negotiations are focusing on proposals to create a neutral housing board to deal with claims, and to set aside undeveloped lots for former members who were either excommunicated or left the church voluntarily. Apparently the parties are close to agreement on access to parks, use of a cemetery and payment of outstanding bills. However, Arizona Assistant Attorney General Bill Richards said current proposals raise constitutional and trust law problems and do not meet the court's standards for secular management of the trust. Utah Attorney General Mark Shurtleff is more concerned about reaching an agreement. He says otherwise there will be year of litigation.
AU Asks IRS To Review 501(c)(3) Status of Liberty University
Wednesday, May 27, 2009
Hate Crimes Bill Opponents Invoke "Pedophile Protection" In New Campaign
Organizers online offer, for $10.95, to FedEx a letter to every Senator over the name of an individual urging a filibuster of S.909, the Senate version of the bill. The form letter reads in part: "This bill would more appropriately be called 'The Pedophile Protection Act.' The evidence for this extraordinary statement comes directly from debate in the House, when a simple amendment to exempt pedophiles from the protections offered by the bill were rejected."
Wrongful Death Case Against Jehovah's Witnesses In Canada Dismissed In Part
Religious Protesters of Gun Store Acquitted
UPDATE: The Centre Daily Times has a more extensive report on yesterday's acquittals. Defendants, including several ministers, were part of a group called Heeding God's Call, which is attempting to involve faith groups in the gun-control movement. It chose Colosimo's for its protest because of its record for selling guns later used in crimes.
UPDATE2: A Philadelphia Inquirer columnist on Wednesday published a lengthy account of the activities of the anti-gun violence group, the record of the gun store chosen and the arguments made by the defense at trial.
AU Asks County To Assure Homeless Shelter Does Not Pressure Residents Into Prayer
Tuesday, May 26, 2009
California High Court Upholds Proposition 8, But Validates Pre-Prop 8 Marriages
The majority opinion by Chief Justice George held that: Proposition 8 merely "carves out a narrow and limited exception" to privacy, due process and equal protection provision in the state constitution, "reserving the official designation of the term 'marriage' for the union of opposite-sex couples as a matter of state constitutional law, but leaving undisturbed all of the other extremely significant substantive aspects of a same-sex couple’s state constitutional right to establish an officially recognized and protected family relationship and the guarantee of equal protection of the laws."
Justices Kennard and Werdegar each wrote a concurring opinion. Justice Kennard also joined the majority opinion while Justice Werdegar only agreed with the result, but rejected much of the majority's analysis. Justice Moreno dissented arguing that Proposition 8 is a "revision" of the Constitution because it "strikes at the core of the promise of equality that underlies our California Constitution" by requiring discrimination on the basis of a suspect classification. The Court has also issued a press release describing the opinions. The New York Times reports on the decision.
Sotomayor Is High Court Pick; Here Are Her Religion Decisions
On the Second Circuit, Sotomayor wrote an important dissent in one case
- Hankins v. Lyght, (2006): In an age discrimination challenge by a Methodist clergyman, Judge Winter writing for the majority held that RFRA is properly applied to an Age Discrimination in Employment Act claim. Judge Sotomayor dissented contending that RFRA does not apply to disputes between private parties and that the ADEA does not govern disputes between religious entities and their spiritual leaders.
- United States v. Reimer, (2004)(citizenship revocation of Nazi collaborator);
- Ford v. McGinnis, (2003) (prisoner free exercise);
- Salahuddin v. Mead, (1999) (prisoner free exercise).
Sotomayor was on the 2nd Circuit panel that decided a number of other religion-related cases, many of which were either prisoner or immigration cases. Three that involved other types of religion issues in which Sotomayor joined the court's opinion were:
- Friedman v. Clarkstown Central School District, 75 Fed. Appx. 815 (2003) [LEXIS link] (religious objection to required immunization);
- Fifth Ave. Presbyterian Church v. City of New York, (2002) (use of church grounds as homeless shelter);
- Rosario v. Does 1 to 10, 36 Fed. Appx. 25 (2002) [LEXIS link] (teacher dismissed for introducing religious material in classroom).
- [UPDATE] Related opinions in Okwedy v. Molinari (1, 2) (Staten Island Borough president complains to billboard company about display of Biblical verses condmning homosexual behavior.) (Discussed at Volokh Conspiracy.)
Sotomayor wrote more extensively on religion clause matters as a federal district judge. Here is a survey of her religion opinions while on the Southern District of New York:
- Mehdi v. United States Postal Service, 988 F. Supp. 721 (1997) [LEXIS link] (rejecting claim by Muslim plaintiffs that post offices must include crescent and star along with Christmas and Hanukkah decorations);
- Moore v. Kennedy, 1996 U.S. Dist. LEXIS 11474 (1996) (prisoner free exercise);
- Miller v. New York State Department of Labor, 1996 U.S. Dist. LEXIS 11067 (1996) (employment discrimination);
- Utkor v. McElroy, 930 F. Supp. 881 (1996) [LEXIS link] (immigration asylum);
- DiNapoli v. DiNapoli, 1995 U.S. Dist. LEXIS 13778 (1995) (accusations against sibling, member of religious order, growing out of estate administration).
- Rodriguez v. Coughlin, 1994 U.S. Dist. LEXIS 5832 (1994) and Campos v. Coughlin, 854 F. Supp. 194 (1994) [LEXIS link] (preliminary injunction allowing Santeria prisoners to wear religious beads).
- Flamer v. City of White Plains, 841 F. Supp. 1365 (1993) [LEXIS link] (enjoining city from preventing rabbi's placing of menorah in city park during Hanukkah).
UPDATE: Here is the White House press release and blog posting on the nomination. Here is the full text of the President's remarks on his choice. Orin Kerr on Volokh Conspiracy points out that if Sotomayor is confirmed, six of the nine Justices will be Catholic. Two are Jewish and Justice John Paul Stevens will be the only Protestant remaining on the Court. (Background data.)
UPDATE 2: The Wall Street Journal on Wednesday posted an interesting interview with Prof. Douglas Kmiec on how Judge Sotomayor's Catholic upbringing may have affected her judicial performance and decisions.
Minnesota Boy's Mother Returns Him For Cancer Treatment
UPDATE: The St. Paul Pioneer Press reports that at a May 26 hearing, a Brwon County judge retruned custody of Daniel Hauser to his parents after the parents agreed to drop their objections to his receiving chemotherapy.
Visiting Sikh Preachers In Austria Shot Over Disagreement With Sermon
New York's Hate Crime Provisions Upheld In Recently Released Opinion
Scientology and Its Leaders In France Go On Trial For Fraud
The indictment by the investigating magistrate charges Scientology is a commercial business that runs a deliberately manipulative system which exploits vulnerable people. Scientology's lawyer says: "It's a trial for heresy: this could only happen in France..." If convicted, the individual defendants each face a possible 1 million Euro fine 10 years in prison. The Celebrity Centre and bookshop could be fined $5 million Euros and closed down in France.
Monday, May 25, 2009
Memorial Day Proclaimed As Day of Prayer For Veterans and Peace
(1) calling on the people of the United States to observe Memorial Day by praying, according to their individual religious faith, for permanent peace;On Friday, President Obama issued a Proclamation, "Prayer for Peace, Memorial Day, 2009" (full text), providing in part:
(2) designating a period of time on Memorial Day during which the people may unite in prayer for a permanent peace;
(3) calling on the people of the United States to unite in prayer at that time; and
(4) calling on the media to join in observing Memorial Day and the period of prayer.
As we remember the selfless service of our fallen heroes, we pray for God's grace upon them. We also pray for all of our military personnel and veterans, their families, and all those who have lost loved ones in the defense of our freedom and safety....
I ... do hereby proclaim Memorial Day, May 25, 2009, as a day of prayer for permanent peace, and I designate the hour beginning in each locality at 11:00 a.m. of that day as a time to unite in prayer.
Episcopal Church and Break-Away Diocese Litigate Over Retainer Paid To Counsel
Back in 2007, the Diocesan Council paid $500,000 as an advance on legal fees to its law firm, Wild, Carter & Tipton of Fresno, California, in anticipation of litigation that might be filed over property ownership. After the break-off, ECUSA appointed new officials to continue as the Episcopal diocese. They sued the law firm for declaratory relief and to recover the advanced attorneys' fees, invoking several theories of wrongful transfer. The court dismissed most of them, invoking the rule that an agent cannot conspire with its own principal. The court concluded, however, that the claim the transfer was a fraudulent conveyance could succeed, but only if ECUSA is able to prove its allegation that the transfer of funds was undertaken with the intent to injure ECUSA and that the Diocese did not receive reasonably equivalent value in exchange for the fund transfer.
Recent Articles of Interest
- Zachary R. Calo, The Internationalization of Church-State Issues, (Church and State Issues in America Today, 3 Volumes, Ann W. Duncan & Steven L. Jones, eds., Praeger Publishers, 2008).
- Eric Segall, Mired in the Marsh: Legislative Prayers, Moments of Silence, and the Establishment Clause, (Forthcoming, University of Miami Law Review, 2009).
- Zachary R. Calo, 'The New Internationals': Human Rights and American Evangelicalism, (Is the Good Book Enough?, David K. Ryden, ed, Forthcoming).
- Jeffrey R. Baker, Whom Would Jesus Cover? A Biblical, Ethical Lens for the Contemporary American Health Care Debate, (Journal of Law & Health, Vol. 23, Fall 2009).
From SmartCILP:
- Darshan Brach, Logic for the Magic of Mindful Negotiation, 24 Negotiation Journal 25-44 (2008).
- Samuel J. Levine, Louis Marshall, Julius Henry Cohen, Benjamin Cardozo, and the New York Emergency Rent Laws of 1920: A Case Study in the Role of Jewish Lawyers and Jewish Law in Early Twentieth Century Public Interest Litigation, 33 Journal of the Legal Profession 1-29 (2008).
- Robert Steinbuch, Kidneys, Cash, and Kashrut: A Legal, Economic, and Religious Analysis of Selling Kidneys, 45 Houston Law Review 1529-1607 (2009).
- Adrien Katherine Wing, International Law, Secularism, and the Islamic World, 24 American University International Law Review 407-428 (2009).
Sunday, May 24, 2009
Somalia Moves Toward Sufi vs. Shabab Warfare
Court Upholds Montana Law School's Refusal To Fund Christian Legal Society
Recent Prisoner Free Exercise Cases
In Florer v. Johnson, 2009 U.S. Dist. LEXIS 41960 (WD WA, May 4, 2009), a Washington federal magistrate judge granted plaintiff leave to amend his complaint to allege that that the 2004, 2006 and 2008 kosher and mainline dietary menus offered by the Washington Department of Corrections were nutritionally and religiously inadequate. It rejected defendants' claims that the amended complaints were barred by res judicata.
In Trotter v. Schwarzennegger, 2009 U.S. Dist. LEXIS 41554 (ED CA, May 5, 2009), a California federal magistrate judge dismissed a prisoner's complaint alleging a lack of religious programs at his prison.
Objections To Religious References At Trial of Juvenile Not Preserved For Appeal
Saturday, May 23, 2009
Wisconsin Jury Convicts Mother Who Relied on Faith Healing of Homicide
Connecticut High Court Orders Release of Documents In Clergy Abuse Cases
Defendant Sentenced To 10 Years For Pot Farm; Religious Defense Found Insincere
In Greece, Young Muslims Violently Protest Ripping of Quran By Policeman
Inspector General Reports on 2004 IRS Exams of Non-Profit Political Activities
For the 2004 Initiative, the IRS opened 110 examinations.... Examinations most often were initiated after referrals were received from sources external to the IRS and were almost evenly distributed between churches and charities. The examinations mainly concerned tax-exempt organizations that had allegedly been involved in a single instance of potentially prohibited political intervention and involved issues/campaigns at the national level slightly more than at the State and local level. In addition, examinations involved a wide array of issues, such as distribution of printed and electronic information, as well as verbal statements and direct political contributions....
As of November 2008, the IRS' inventory system showed that the IRS had substantiated prohibited political activity in 76 (71 percent) of the 107 examinations it had completed. While reviewing case information, we found that this number was overstated. Based on our review of case files, the IRS incorrectly coded 14 cases as involving violations of the political intervention prohibition when no violations occurred. While the data still shows that a majority of examinations resulted in the IRS determining that tax-exempt organizations had violated the prohibition, it is important that this information be accurate because it is reported to external stakeholders. We determined that the incorrect coding was due to confusion over how to classify case results on the inventory system.
Friday, May 22, 2009
Liberty University Revokes Recognition of College Democrats
"That club still has the right to exist," Falwell said, although it cannot use the university’s name in its activities. "They still can meet on campus," in certain rooms, he said. "There is absolutely no animosity at all toward any of these kids. They are good, Christian kids who sit with me at ball games. I just hope they find a pro-life family organization to affiliate with so they can be endorsed by Liberty again."Virginia Governor Timothy Kaine issued a statement on Democratic national Committee letterhead urging the University to reverse its decision. [Thanks to both Don Byrd and Bob Ritter for the lead.]
Senate Passes Resolution Remembering M.S. St. Louis Anniversary
California Law Protects Closed Church From Landmarking
Court Refuses To Decide RLUIPA Claim On Ripeness Grounds
Over ten years have passed since the City denied plaintiff's CUP application, and the Congregation has recently filed a second application, which the City is currently considering. This second CUP application presents the first opportunity for the City to consider the Congregation's request in light of RLUIPA..... [G]ranting of the second CUP application would moot the instant action. Furthermore, it does not appear that the Congregation will be immediately harmed by the Court's decision to dismiss the instant action on ripeness grounds. The City has not taken any action to date to enforce the original denial of the CUP.... [T]he threat of hardship to the Congregation remains speculative.
Republicans Delay Committee Vote On 7th Circuit Nominee Over His Establishment Clause Decisions
Final Defendant Settles In Sex Abuse Case Against Seattle Archdiocese
Pending British Equality Bill Creates Only Narrow Exemption For Religious Objections
The circumstances in which religious institutions can practice anything less than full equality are few and far between. While the state would not intervene in narrowly ritual or doctrinal matters within faith groups, these communities cannot claim that everything they run is outside the scope of anti-discrimination law. Members of faith groups have a role in making the argument in their own communities for greater LGBT acceptance, but in the meantime the state has a duty to protect people from unfair treatment.
Thursday, May 21, 2009
Does "WWJD" Violate Fair Debt Collection Practices Act?
French Government Agency Combatting Cults Releases Report
warns that religious sects are on the increase in France, tripling in the last 15 years to reach at least 600 different movements across the country. The report also denounces a huge increase in unqualified therapists, warning that sects are using the personality coaching and self-help trends to target impressionable people.Digital Journal says that 10 pages in MIVILUDES' 199-page report are devoted to criticizing the activity of sects in the United Nations and the OSCE. The report says that non-governmental organizations are attempting to limit MIVILUDES influence in the UN and OSCE, and that the Church of Scientology has particularly taken aim at MIVILUDES.
Priest's Conviction on Child Molestation Charges Upheld
Same-Sex Marriage Not Yet A Done Deal In New Hampshire
Meanwhile, as gay marriage seems to be gaining momentum in state legislatures, Pew Forum yesterday published a Q&A with Professors Ira "Chip" Lupu and Robert W. Tuttle, titled: A Clash of Rights? Gay Marriage and the Free Exercise of Religion.
4 Men Arrested In New York Charged With Plot To Bomb Synagogues
Elementary Teacher Sues Charging Religious Discrimination and Harassment
Permit Requirement For Church's Use As Homeless Shelter Upheld
Ireland's Massive Report On Clergy Sex Abuse Released
Victims of the abuse-- particularly those who had testified before the Commission --were particularly upset by the fact that the report will not be used as the basis for additional criminal prosecutions. In part this is because one of the largest religious orders involved-- Christian Brothers--obtained a court order in 2004 to keep all its members discussed in the report anonymous. Police were called to the news conference in which the report was released as victims who were prevented from attending began to object. BBC News has reactions of abuse victims, church leaders and political leaders.The report, nine years in the making and covering a period of six decades, found thousands of boys and girls were terrorised by priests and nuns. Government inspectors failed to stop beatings, rapes and humiliation....
The five-volume study concluded that church officials encouraged ritual beatings and consistently shielded their orders' paedophiles from arrest amid a "culture of self-serving secrecy". The commission found that sexual abuse was "endemic" in boys' institutions, and church leaders knew what was going on.
Wednesday, May 20, 2009
Court Dismisses Some Discrimination Claims Brought By Muslim Researchers
Taliban Terrorize Peshwar, Pakistan In Drive Against Un-Islamic Activities
through a campaign of bombings, kidnappings and murders, the militants are increasingly imposing on Peshawar the rigid religious restrictions that are already enforced in Swat, Waziristan, and other northwestern areas that have succumbed to Taliban control. Such "Talibanization" is a grim setback for a storied city that braced itself for revival when a secular Pashtun nationalist movement, the Awami National Party, won provincial elections last year, ousting a coalition of religious parties.
Court Dismisses Religious Group's Challenge To Support Order
Iran's Guardians Council Approves 4 Presidential Candidates
Teen and Mother Fail To Appear At Hearing On Cancer Treatment For Boy
NY Town Charges Zoning Violations In Cow and Chicken Slaughter
Tuesday, May 19, 2009
Reports On Two Priest Sexual Abuse Cases
Meanwhile, the Wilmington, Delaware News-Journal reports on another ongoing priest abuse case. A civil suit was filed in Delaware state court by a 46-year old man against the Oblates of St. Francis de Sales and Salesianum School. Plaintiff says he was abused from 1982-1984 by now-deceased Rev. Richard Grant who was principal of the school. This is one of more than a dozen suits that have been filed against the Oblates and several of their priests since Delaware opened a two-year window for old claims to be filed through its 2007 Child Victim Act.
Laid-Off Church and Synagogue Employees Find No Unemployment Benefits
Israel's High Court Orders Equal Funding For Non-Orthodox Conversion Classes
Meanwhile, JTA reports that in another ruling yesterday, Israel's Supreme Court ordered the High Rabbinic Court to explain why, in a decision last year, it retroactively nullified conversions that had been carried out through special conversion courts headed by Rabbi Haim Druckman. (See prior posting.)
Conference Discusses Legal Issues In Sharia-Compliant Financing
As international economic problems increase, courts are beginning to see disputes involving Sharia-compliant real estate financing. One of the issues being raised is whether, in loans structured as purchases by the bank on behalf of the borrower to comply with Islamic law, courts should look to the form of the transaction and apply laws applicable to real estate sales, or should instead look through form to substance and apply rules applicable to loans.