Consumer Finance

In Bryan v. Credit Control, LLC, No. 19-244-cv, 2020 U.S. App. LEXIS 10519, at *7-9 (2d Cir. Apr. 3, 2020), the Court of Appeals for the Second Circuit gave guidance on disclosure of "true creditor" in a credit card collection transaction for a credit card for a private label retailer. In arguing that Credit Control violated Section 1692g, Bryan insists… Read More

In Brogan v. Fred Beans Motors of Doylestown, Inc., No. 17-5628, 2020 U.S. Dist. LEXIS 58863, at *35-37 (E.D. Pa. Apr. 3, 2020), Judge Kenney found that an automobile transaction that involved multiple RISC re-writes and multiple lender declinations did not violate TILA. In Count IV, Plaintiff alleges that the "Federal Truth in Lending Disclosures in the retail sales installment… Read More

Amid the COVID-19 pandemic, the FCC met remotely on Tuesday March 31, 2020 and took the next step in implementing the TRACED Act. The TRACED Act was enacted on December 30, 2019, with the stated purpose of “helping to reduce illegal and unwanted robocalls” through numerous mechanisms. Along with other provisions directed at addressing robocalls, the TRACED Act directed the… Read More

The American Bankers Association, Consumer Bankers Association, AFSA, Credit Union National Association, Independent Community Bankers of America, Mortgage Bankers Association, and National Association of Federally Insured Credit Unions filed a petition for expedited declaratory ruling with the Federal Communications Commission. The petition seeks an expedited declaratory ruling confirming that phone calls and text messages placed by banks, credit unions, and… Read More

In DeCapua v. Metro. Prop. & Cas. Ins. Co., No. 18-590 WES, 2020 U.S. Dist. LEXIS 47695 (D.R.I. Mar. 18, 2020), Judge Smith granted a TCPA defendant’s motion to dismiss. The Court accepts the R&R's reasoning. See Glasser, 948 F.3d at 1312 ("Far from automatically dialing phone numbers, this system requires a human's involvement to do everything except press the… Read More

In Hagood v. Portfolio Recovery Assocs., LLC, No. 3:18-CV-1510-NJR, 2020 U.S. Dist. LEXIS 47507 (S.D. Ill. Mar. 19, 2020), Judge Rosenstengel followed the Gadelhak decision and granted summary judgment to a TCPA defendant, finding that no ATDS was used under the TCPA. Hagood argues that this definition of an ATDS should be construed to cover any device that automatically dials… Read More

In Gadomski v. Patelco Credit Union, No. 2:17-cv-00695-TLN-AC, 2020 U.S. Dist. LEXIS 51070 (E.D. Cal. Mar. 23, 2020), Judge Nunley dismissed an FDCPA case because of the lack of damages. Plaintiff further contends that FRCA plaintiffs may prove a claim for actual damages by showing the unreasonable investigation of a credit dispute has resulted in emotional harm or humiliation, even… Read More

In McAdory v. DNF Associates, LLC (9th Cir. 2020), the Court of Appeals for the 9th Circuit followed the Third Circuit’s decision in Barbato v. Greystone All., LLC (3d Cir. 2019) 916 F.3d 260, to find that a company whose principal business activity is buying defaulted debts from creditors is a "debt collector" for purposes of the FDCPA even if… Read More

Forbes reported that it received an email from representatives of Attorney General Xavier Becerra refusing an industry group request to delay enforcement of the California Consumer Privacy Act of 2018 (“CCPA”) due to the ongoing disruptions caused by the response to 2019 novel coronavirus (2019-nCoV) (“COVID-19”).  With California on lockdown, and most businesses forced to close or have employees work… Read More

In Campbell v. Facebook, Inc., __ F.3d __, 2020 WL 1023350, The Court of Appeals for the 9th Circuit held that violations of the federal Electronic Communications Privacy Act, 18 U.S.C. § 2510, et seq. (ECPA) and the California Invasion of Privacy Act, Cal. Pen. Code § 630, et seq. (CIPA) are, in and of themselves sufficient, without further allegations… Read More