This case holds that consumers may recover uncapped attorney fees against holders under the FTC Holder Rule.  Though the attorney fees are part of the “recovery” that the Holder Rule itself caps, the FTC Holder Rule does not preempt any state laws, but merely prescribes a required contract clause.  So, Civil Code 1459.5 is not preempted and it allows full uncapped attorney fee recovery in cases in which the plaintiff invokes the Holder Rule. Furthermore, to the extent the consumer brought claims for breach of implied warranty under the Song-Beverly Act, the claims were “on the contract” and so the plaintiff could recover uncapped fees under Civil Code 1717.