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In Schaired v. Monterey Fin. Servs., Inc., No. 22-cv-0736-BAS-MDD, 2023 U.S. Dist. LEXIS 12339, at *18-22 (S.D. Cal. Jan. 24, 2023), Judge Bashant denied leave to amend to add a theory that a debt collector's subsequent communications did not say, "This communication is from a debt collector" but, instead, said, "This is an attempt to collect a debt.".  So, some… Read More

In December 2022, in People vs. Capital One (L.A. Sup. 22STCV36914),California's Debt Collection Task Force entered into a settlement with Capital One, obligating Capital One to pay a civil money penalty of $1.45 million, $300,000 in investigative costs, and $250,000 in restitution arising out alleged call-frequency and cease-and-desist violations.  The Capital One settlement includes a specific requirement that Capital One… Read More

In Mollaei v. Otonomo, Inc., Judge Thompson found that a vehicle's TCU did not constitute an "Electronic Tracking Device" because it was not "attached' to the vehicle and tracked the location only of the vehicle, and not the 'person', within the meaning of Penal Code 637.7. Penal Code 637.7 provides that (a) No person or entity in this state shall… Read More

In Aguilar v. Mandarich Law Grp., LLP, No. H049860, 2023 Cal. App. LEXIS 22 (Ct. App. Jan. 17, 2023), the California Court of Appeal found that the Rosenthal Act incorporated the federal FDCPA’s materiality standard, and affirmed an anti-SLAPP motion filed by a debt collector. Whether the nature of the relationship between OneMain Financial and OneMain Financial Issuance Trust is… Read More

In Bank v. Icot Holdings, No. 18-CV-02554 (AMD)(PK), 2023 U.S. Dist. LEXIS 676, at *15-19 (E.D.N.Y. Jan. 1, 2023), Judge Kuo denied class certification in a TCPA class based on ascertainability grounds.  The Plaintiff's claim sounded as a "customary user" of a cell phone for which his mother was the subscriber and had been a member of a previous class… Read More

OneTrust Data Guidance, a global leader in privacy and data protection, published an article today authored by Severson shareholders Genevieve Walser-Jolly and Scott Hyman on the proportionality doctrine under the California Consumer Privacy Act ("CCPA") and the California Privacy Rights Act ("CPRA").  Specifically, the CPRA amended the CCPA to provide additional consumer regarding their data, but a company should not… Read More

In Samson v. United Healthcare Servs. Inc., No. 2:19-cv-00175, 2022 U.S. Dist. LEXIS 229000, at *2-4 (W.D. Wash. Dec. 20, 2022), Judge Pechman lifted her previous stay of the case. The procedural history is as follows: Plaintiff Frantz Samson filed this suit against Defendant, United Healthcare Services ("United"), in 2019 alleging violations of the Telephone Consumer Protection Act ("TCPA"), 47… Read More

In Brickman v. United States, No. 21-16785, 2022 U.S. App. LEXIS 35286, at *4-6 (9th Cir. Dec. 21, 2022), the Court of Appeals found no ATDS was used, and found no basis to distinguish its Borden decision. This case arises from the district court's dismissal with prejudice of Colin R. Brickman's class-action claim under the Telephone Consumer Protection Act (TCPA), 47 U.S.C.… Read More

On May 20, 2022, the Department of Financial Protection and Innovation published a Notice of Proposed Rulemaking (PRO 03-21) to adopt Article 5, including sections 1070, 1071, 1072, 1073, 1074, and 1075 of Title 10, Chapter 3, Subchapter 4 of the California Code of Regulations, to implement, interpret, and make specific Financial Code section 90008 of the California Consumer Financial… Read More

In Weisbein v. Allergan, Inc., No. 8:20-cv-00801-SSS-ADSx, 2022 U.S. Dist. LEXIS 217844, at *4-7 (C.D. Cal. Dec. 2, 2022), Judge Sykes granted summary judgment to a TCPA defendant in text message class action. The crux of Plaintiff's claims is that Defendants sent automated text messages that violated the TCPA, specifically § 227(b)(1)(A) of the TCPA, which prohibits calls made using… Read More

In Frengel v. McLaren Auto., Inc., No. 3:22-cv-0664 W (RBB), 2022 U.S. Dist. LEXIS 220983, at *7-9 (S.D. Cal. Dec. 7, 2022), Judge Whelan dismissed, with leave to amend, a Song-Beverly claim because the vehicle was not leased in California, despite Plaintiff's claims that it was delivered to them in California. The Court finds that the Lease Agreement can be… Read More

In Sanders v. Am. Coradius Int'l LLC, Civil Action No. 2:22-cv-2652 (JXN)(CLW), 2022 U.S. Dist. LEXIS 214456, at *10-11 (D.N.J. Nov. 29, 2022), Judge Neals confirms that 15 USC 1692f's "catch-all" provision cannot be used as a fallback for conduct that already is regulated by other provisions of the FDCPA, such as call frequency and dunning letter disclosures. Plaintiff alleges… Read More

In Ringenbach v. DirecTV, LLC, No. 4:21 CV 1400 CDP, 2022 U.S. Dist. LEXIS 214026, at *2-4 (E.D. Mo. Nov. 29, 2022), Judge Perry denied a debt collector's motion to compel discovery of settlements with other co-defendants because she held that offset is not an affirmative defense under the FCRA/FDCPA. I.C. System's motions will be denied as it cites no… Read More

In Olson v. La Jolla Neurological Assocs., No. D079265, 2022 Cal. App. LEXIS 973, at *16-20 (Ct. App. Nov. 23, 2022), the Court of Appeal held that a medical service provider, with no affiliation to its third party billing service, was not subject to the Rosenthal Act. Thus, the legal question before us is whether a medical service provider that… Read More

In BPP v. CaremarkPCS Health, L.L.C., No. 21-3791, 2022 U.S. App. LEXIS 31586 (8th Cir. Nov. 16, 2022), the Court of Appeals clarified the rules for “unsolicited advertisements” under the TCPA fax rules. We disagree with BPP's proposed interpretation of unsolicited advertisement. HN3 The TCPA does not ban all faxes that contain information about commercial goods or services, as BPP… Read More

In Risher v. Adecco Inc., No. 19-cv-05602-RS, 2022 U.S. Dist. LEXIS 209676 (N.D. Cal. Nov. 18, 2022), Judge Seaborg dismissed an evolving theory that text messages can be a pre-recorded voice under the TCPA. In the absence of express consent, section 47 U.S.C. § 227(b)(1)(A)(iii) of the TCPA, and its implementing regulations at 47 CFR § 64.1200(a)(2), prohibit non-emergency calls… Read More

In Yahoo Inc. v. Nat'l Union Fire Ins. Co., No. S253593, 2022 Cal. LEXIS 6887, at *2-3 (Nov. 17, 2022), the California Supreme Court, on certification of the issue from the Court of Appeals for the 9th Circuit, found that TCPA claims were covered under Yahoo!'s manuscript CGL policies. The Court summarized: Privacy injuries that involve the right of seclusion… Read More

The FTC has announced additional time for financial institutions to comply with new Safeguards Rule changes.  In response to personnel shortages and supply chain issues, the new deadline is June 9, 2023: What provisions are included in the six-month extension?  Consult the Federal Register Notice for details, but the extension applies to provisions in the revised Rule that require covered companies to:… Read More

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