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On September 25, 2020, Governor Newsom signed a number of bills, including AB 1864, which established the Department of Financial Protection and Innovation (“DFPI”) in place of the Department of Business Oversight (“DBO”), and SB 908, the Debt Collection Licensing Act. Both bills were passed by the California legislature in late August 2020, and are touted by Governor Newsome as… Read More

In Camacho v. Hydroponics, Inc., No. EDCV 20-980 JGB (KKx), 2020 U.S. Dist. LEXIS 174379 (C.D. Cal. Sep. 22, 2020), Judge Bernal denied a stay in a TCPA case. The TCPA defines an ATDS as "equipment which has the capacity (A) to store or produce telephone numbers to be called, using a random or sequential number generator; and (B) to… Read More

AB 1864 has now passed California’s legislature and is another California fire with which Governor Newsom must deal.  This Bill seeks to rename the Department of Business Oversight as the Department of Financial Protection and Innovation (“DFPI”), and is expected to be signed by Governor Newsom. Earlier, Governor Newsom proposed the CFPL in his 2020-2021 budget frame-work. The goal, according to Newsom,… Read More

In Hammer v. Equifax Info. Servs., No. 19-10199, 2020 U.S. App. LEXIS 28800 (5th Cir. Sep. 9, 2020), the Court of Appeals for the Fifth Circuit held that no claim arose under the FCRA for failure to report a trade line in the consumer’s consumer report. Hammer alleges that Equifax violated the FCRA because it had favorable information about his… Read More

In Nagan v. Solutions, No. 19-C-170, 2020 U.S. Dist. LEXIS 155492 (E.D. Wis. Aug. 27, 2020), Judge Griesbach held that Wisconsin residents are not protected by California’s Rosenthal Act. The Rosenthal Act Plaintiff also asserts a claim under the Rosenthal Act, California's counterpart to the FDCPA that protects residents of California. Because Plaintiff was never a resident of California, the… Read More

When California Governor Gavin Newsome signed the Budget Act of 2020 at the end of June, the budget allocated $10.2 million in 2020-21, growing to $19.3 million in 2022-23 to the Department of Business Oversight, contingent upon enactment of the California Consumer Financial Protection Law. As previously posted, the California Consumer Financial Protection Law (“CCFPL”) sought to rename California Department… Read More

The Federal Trade Commission announced that it is seeking comment on proposed changes that would bring several rules implementing parts of the Fair Credit Reporting Act (FCRA) in line with the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). In separate Notices of Proposed Rule Making (NPRMs), which will be published in the Federal Register shortly, the FTC… Read More

In Jensen v. Roto-Rooter Servs. Co., No. C20-0223-JCC, 2020 U.S. Dist. LEXIS 151256 (W.D. Wash. Aug. 20, 2020), Judge Coughenour stayed a TCPA case pending SCOTUS’ review of what constitutes an ATDS. Defendant moves to continue the stay in this case because the Supreme Court's decision in Duguid will resolve the circuit split of what constitutes an auto dialer under… Read More

In Warford v. Memphis City Emples. Credit Union, No. 2:19-cv-02403-JPM-cgc, 2020 U.S. Dist. LEXIS 150173 (W.D. Tenn. Aug. 19, 2020), Judge McCalla found that a credit union’s disclosures of an irregular payment schedule for purchase of a vehicle violated TILA.  The facts were as follows: The following facts are undisputed for purposes of summary judgment. On or about December 27,… Read More

In Calogero v. Shows, Cali & Walsh, L.L.P., No. 19-30558, 2020 U.S. App. LEXIS 26109 (5th Cir. Aug. 17, 2020), the Court of Appeals for the Fifth Circuit said that the US Government’s retention of private debt collectors to collect overpayment of compensation to victims of Hurricane Katrina arose out of a “transaction” under the FDCPA. When Congress passed the… Read More

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