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CEB Prac. Guide § 2A.07 -- Statutory Background and Pre-emption -- California's Partial Adoption of the Federal FDCPA

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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 Young v. Midland Funding, Nos. A161843, A162784, 2022 Cal. App. LEXIS 843, at *33-41 (Ct. App. Oct. 7, 2022), the Court of Appeal held that the Rosenthal Act's incorporation of the FDCPA incorporates the FDCPA's strict liability standard. Young's failure to make a prima facie case that the Midland parties deliberately ignored their obligation to serve her draws into… Read More

In Dollaga v. Specialized Loan Servicing Llc, No. 20-cv-07472-JSC, 2020 U.S. Dist. LEXIS 233610 (N.D. Cal. Dec. 11, 2020), Magistrate Judge Corley remanded a Rosenthal Act claim for wont of federal question jurisdiction. Plaintiff's complaint seeks damages and injunctive relief for: (1) breach of contract; (2) breach of the implied covenant of good faith and fair dealing; (3) intentional interference… Read More

In Greene v. Fay Servicing, LLC, No. 19-cv-01073-JSC, 2019 U.S. Dist. LEXIS 68107, at *7-9 (N.D. Cal. Apr. 22, 2019), Judge Green remanded a Rosenthal Act claim for absence of federal jurisdiction. Defendants' notice of removal asserts that federal jurisdiction exists because the second cause [*8]  of action under the RFDCPA references violations of the Fair Debt Collections Practices Act ("FDCPA"),… Read More

In Jenkins v. Bayview Loan Servicing, LLC, 2018 WL 5255318, at *3 (C.D.Cal., 2018), Judge Olguin remanded a Rosenthal Act claim due to the absence of federal jurisdiction. Bayview contends that federal question jurisdiction exists because the Complaint refers to the FDCPA. (See Dkt. 1, NOR at 3). However, the Complaint asserts only state-law claims, including California’s Rosenthal Fair Debt… Read More

In Ghalehtak v. Fay Servicing, LLC,  2018 WL 2553570, at *2 (N.D.Cal., 2018), Judge Hamilton remanded a Rosenthal Act claim back to state court. Defendants argue that federal jurisdiction exists under § 1331 because plaintiffs’ RFDCPA claim specifically references parts of the FDCPA. Under the “well-pleaded complaint rule...federal jurisdiction exists only when a federal question is presented on the face… Read More

In Davidson v. Seterus, Inc., 2018 WL 1281873, at *7–10 (Cal.App. 4 Dist., 2018), the Court of Appeal found that a mortgage servicer was subject to the Rosenthal Act. Although the defendants concede that “secured debt could still be a 'consumer debt,' “ they nevertheless argue that this “does not mean a mortgage debt is a consumer debt.” The defendants… Read More

In Afewerki v. Anaya Law Group, 2017 WL 3567829, at *4–5 (9th Cir. 2017), the Court of Appeals for the Ninth Circuit held that a misstatement of the debt in a debt collection complaint was material. We agree and conclude that Anaya Law Group's $3,000 overstatement of the principal due in the state court complaint,2 exacerbated by the statement of an… Read More

In Youssofi v. Allied Interstate LLC, 2016 WL 29625, at *2-3 (S.D.Cal., 2016), Judge Curiel struck an FDCPA defendant's assertion of FDCPA pre-emption over the Rosenthal Act. Plaintiff argues that these affirmative defenses fail as a matter of law and cites to the holding in Gonzales v. Arrow Fin. Servs., LLC, 660 F.3d 1055 (9th Cir. 2011). Defendant opposes contending… Read More

In Wright v. Saxon Mortgage Services, Inc., 2011 WL 500798 (N.D.Cal. 2011), Judge Armstrong held that the Rosenthal Act's incorporation of federal law did not confer federal question jurisdiction, explaining: Even assuming that Plaintiff's sixth cause of action incorporates provisions of the FDCPA, relevant authority provides that federal question jurisdiction cannot be premised on that basis. See Ortega v. HomEq… Read More