Conboy v. United States Small Bus. Admin. arose out of an unpaid debt. Appellants obtained a loan and signed guarantees, which provided that federal law would control the enforcement of the note and that they could not invoke state or local law to deny their obligation to the Small Bus. Admin (“SBA”). Rather than repay the debt, Appellants sued the SBA. The District Court granted the SBA’s motion for summary judgment. The Third Circuit affirmed, noting that Appellants filed a brief that was essentially a copy of the one filed in the District Court. The Third Circuit determined that the appeal’s substance was “as frivolous as its form”.