Nicholas Agnello

Nicholas Agnello

Burr & Forman

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Florida’s Third DCA Reverses Course on Statute of Limitations for Mortgage Foreclosure

Florida’s Third District Court of Appeal retreated from one of its most unpopular opinions this morning. The Third DCA surprised many with its original ruling in Deutsche Bank Trust Company Americas v. Beauvais¸ 3D14-575 when...more

4/14/2016 - Banking Sector Deutsche Bank En Banc Review Foreclosure Mortgages Popular Statute of Limitations

11th Circuit Holds Assignee Cannot Be Liable For Failure to Provide Payoff Statement Under TILA

On March 1, 2016, the Eleventh Circuit Court of Appeal held that the assignee of a loan cannot be liable for the failure to provide a payoff statement as required by the Truth in Lending Act, 15 USC 1639g. The case is Evanto...more

3/3/2016 - Consumer Lenders Disclosure Requirements Mortgage Lenders Mortgages Truth in Lending Act (TILA)

Did the Fourth Circuit Just Create a Cause of Action for “Unconscionable Inducement” Under West Virginia Law?

In McFarland v. Wells Fargo Bank, N.A., 14-2126 (4th Cir. Jan. 15, 2016), the Fourth Circuit Court of Appeals examined the argument that a loan was substantively unconscionable because it vastly exceeded the worth of the...more

2/4/2016 - Banking Sector Loans Mortgages Refinancing Unconscionable Contracts Wells Fargo

Ninth Circuit Affirms Denial of TCPA Class Cert. On Predominance/Ascertainability Grounds

On January 12, 2016, the Ninth Circuit affirmed the denial of class cert. in a Telephone Consumer Protection Act (TCPA), 47 USC 227 action on  predominance and superiority grounds in the case Paul Gannon v. Network Telephone...more

2/3/2016 - Ascertainable Class Class Certification Corporate Counsel Predominance Requirement TCPA Text Messages

Florida’s 5th DCA Joins 2d and 3d, Expressly Adopts Substantial Compliance Standard

The brief era of confusion amongst Florida trial judges regarding the standard for judging compliance with conditions precedent in residential mortgage foreclosures is hopefully coming to a close. Despite a rash of written...more

2/2/2016 - Bank of New York (BNY) Mellon Foreclosure Mortgages

Appellate Court Refuses to Vacate Voluntary Dismissal Undertaken With Mistaken Belief Claim Was Time-Barred

In Cottrell as Trustee v. Taylor, Bean & Whitaker Mortgage Corp., 41 Fla. L. Weekly D141f, 2D14-5885 (Fla. 2d DCA Jan. 8, 2016), Florida’s Second District Court of Appeal examined the applicability of Rule 1.540(b) to notices...more

2/1/2016 - Banking Sector Mortgages SCRA Statute of Limitations Voluntary Dismissals

Errant Clerk’s Default Must be Set Aside Regardless of Excusable Neglect, Due Diligence, Meritorious Defenses

In Stuart-Findlay v. Bank of America, N.A., 2010CA014370, 41 Fla. L. Weekly D207a (Fla. 4th DCA 2014), Florida’s Fourth District Court of Appeal held that a clerk’s default entered in error should have been set aside,...more

1/29/2016 - Bank of America Banking Sector Default Failure To Respond Motion to Vacate Reversible Error

Banking & Financial Services E-Note - January 2016

In Deutsche Bank Nat’l Trust Co. v. Estrella Perez, et al., No. 3D15-58, 2015 WL 8347002 (Fla. 3d DCA Dec. 9, 2015), Florida’s Third District Court of Appeal held that the trial court erred in dismissing a foreclosure case on...more

1/29/2016 - Banking Sector Bankruptcy Code Deutsche Bank Dodd-Frank FDCPA FIRPTA Foreclosure Mortgages Reporting Requirements Withholding Requirements

M.D. Fla. Holds Bankruptcy Code Preempts FDCPA For Filing Time Barred Proofs of Claim

In Castellanos v. Midland Funding, LLC, 15-CV-559 (M.D. Fla. Jan. 4, 2016) the United States District Judge John Steele joined with several of his Middle District of Florida colleagues and held that the Bankruptcy Code...more

1/28/2016 - Bankruptcy Code FDCPA Midland Funding Preemption Proof of Claims Statute of Limitations

Florida’s Fifth DCA Echoes Prior Ruling – Must Introduce Additional Evidence that Required Notice Was Actually Sent

In Helton v. Bank of America, 5D14-2632 (Fla. 5th DCA Jan. 22, 2016), Florida’s Fifth Circuit Court of Appeal echoed its opinion in Webster v. Chase Home Finance, LLC, 155 So. 3d 1219, 1220 (Fla. 5th DCA 2015) that oral...more

1/27/2016 - Bank of America Banking Sector Foreclosure Hearsay Mortgage Lenders Notification Requirements

2nd Circuit Rules Bankruptcy Code Does Not Preclude FDCPA Suit in District Court

In Garfield v. Ocwen Loan Servicing, LLC, 15-527 (2d Cir. Jan. 4, 2016), the Second Circuit Court of Appeals examined whether a debtor who has been discharged in a bankruptcy can sue in a district court under the Fair Debt...more

1/26/2016 - Bankruptcy Code Consumer Bankruptcy Dischargeable Debts FDCPA

Circuit Court Affirms Bankruptcy Order Requiring Creditor to Reimburse Trustee for Maintaining Collateral

In the case of Domistyle, Inc., 14-41463 (5th Cir. Dec. 29, 2015), the United States Court of Appeal for the Fifth Circuit affirmed an order of the bankruptcy court requiring a secured creditor to reimburse the trustee for...more

1/25/2016 - Chapter 11 Collateral Commercial Bankruptcy Corporate Counsel Out-of-Pocket Expenses Reimbursements Secured Creditors

Florida Appellate Court Holds that Fla. Stat. 559.715 Notice of Assignment Provision is Not a Condition Precedent to Foreclosure

In a split two-one decision, Florida’s Second District Court of Appeal affirmed the decision reached below and held that Fla. Stat. 559.715’s notice of assignment provision does not create a condition precedent to...more

1/22/2016 - FCCPA FL Supreme Court Foreclosure Mortgages US Bank National Association

Florida Appellate Court Rejects Defense of Oral Loan Modification Defense on Statute of Frauds Grounds

In Cowen Loan Servicing, LLC v. Jean Marie Delvar, 4D14-763, 2015 WL 8347300 (Fla. 4th DCA Dec. 9, 2015) the borrower alleged that he had been offered a loan modification and accepted and relied on that offer by making loan...more

1/21/2016 - Foreclosure Loan Modifications Mortgages Promissory Estoppel Statute of Frauds

Florida Appellate Courts Reject New Title Holder’s Efforts to Intervene In Foreclosure Where Title Taken After Lis Pendens...

As the foreclosure crisis dies down, lenders are seeing more creative tactics employed to stall foreclosures. One tactic is that during the pendency of the first lien holder’s foreclosure, the borrower will convey title, or...more

1/13/2016 - First-Lien Foreclosure Lis Pendens Mortgages Standing Transfer of Title

Florida Court Reverses Dismissal After Trial Judge Improperly Excludes Bank’s Trial Witness, Dismisses Case

In OneWest Bank, FSB v. Gino Alessio, et al., 4D14-1444 (Fla. 4th DCA Jan. 6, 2014), the Fourth District Court of Appeal reversed a trial judge’s order dismissing a foreclosure after the defendant improperly used a motion in...more

1/11/2016 - Banking Sector Dismissals Foreclosure Motions in Limine Reversal Witnesses

Florida’s Fourth DCA Provides Clarity on Proofs Required to Enforce Promissory Note Specially Indorsed to Another

In Bank of New York Mellon Trust Company v. Dennis M. Conley, 4D14-2430 (Fla. 4th DCA Jan. 6, 2016), Florida’s Fourth District Court of Appeal clarified the methods by which a foreclosure plaintiff can seek to enforce a note...more

1/11/2016 - Bank of New York (BNY) Mellon Banking Sector Foreclosure JPMorgan Chase Mortgages Promissory Notes

Banking & Financial Services E-Note - December 2015

In an article published by Financial Advisor on December 8, 2015, Burr & Forman Associate Rhett Owens discusses a proposed rule change from the U.S. Department of Labor (DOL) regarding variable annuities (VAs) that’s set to...more

12/22/2015 - ATDS Banking Sector Bankruptcy Court Business Records FCC Financial Sector Hearsay Prior Express Consent TCPA Variable Annuities

Federal Court Awards Sanctions Against the Filer of Improper Rule 11 Motion

Be careful what you wish for. That was the message Middle District of Florida Judge Carlos Mendoza delivered in Claudet v. First Federal Credit Control, Inc., 14-CV-2068  (M.D. Fla. Nov. 17, 2015) to the filer of an improper...more

12/4/2015 - Attorney's Fees Corporate Counsel Federal Rules of Civil Procedure Rule 11 Sanctions Young Lawyers

Banking & Financial Services E-Note - November 2015

In an article published on November 5, 2015 by Law360, Nick Agnello provides insight on a recent landmark decision by the Eleventh Circuit, and how it is creating a body of case law empowering local governments to bring...more

11/23/2015 - Debt Collection Dodd-Frank Fair Housing Act (FHA) Federal Student Aid Financial Sector Unfair or Deceptive Trade Practices

Florida Appellate Court Provides New Insight on the Statute of Limitations and Pleading Re-Filed Foreclosures

In Hicks v. Wells Fargo, 5D14-1748, Florida’s Fifth District Court of Appeal issued the first appellate opinion to pass on the proper method of pleading a re-filed foreclosure where a prior foreclosure effort was dismissed...more

11/17/2015 - Banking Sector Delinquent Borrowers Foreclosure Mortgages Statute of Limitations

Florida Appellate Court Rejects Conditional Notices of Voluntary Dismissal – Treats as Totally Ineffectual

In Wells Fargo Bank v. Lauri Mailloux, 2D14-5116 (Fla. 2d DCA October 30, 2015), the Second District Court of Appeal held that the inclusion of language purporting to render a notice of voluntary dismissal conditional upon an...more

11/11/2015 - Attorney's Fees Bank of America Banking Sector Voluntary Dismissals Wells Fargo

Third DCA Rejects Use of Strict Compliance Standard for Paragraph 22 Notices, Expressly Adopts Substantial Compliance

Many judges in Miami-Dade County and elsewhere held the view that “strict” compliance was the standard to determine if a notice of default complied with the provisions of a paragraph 22 of a mortgage.  To this day, no...more

11/9/2015 - Compliance Consumer Lenders Foreclosure Mortgages Notice of Default

Banking & Financial Services E- Note - October 2015

Last week the Federal Trade Commission ("FTC") issued its muchanticipated Staff Guidance on what sort of supervision states should provide to regulatory boards in order for those boards to qualify for antitrust...more

11/9/2015 - Antitrust Immunity Discovery Financial Institutions Foreclosure International Data Transfers Mortgages Regulatory Oversight Standing TILA-RESPA Integrated Disclosure Rule (TRID) US-EU Safe Harbor Framework

Supreme Court Hears Oral Argument in TCPA Case Concerning “Picking Off” a Class Rep with an Offer of Judgment

On October 14, 2015, the United States Supreme Court heard oral argument in Campbell-Ewald Company v. Gomez, 14-SC-857.  The plaintiff in Gomez alleged he received an unsolicited marketing text message advertising the US Navy...more

10/29/2015 - Advertising Campbell Ewald v Gomez Class Action Marketing Privacy Laws Public Works Putative Class Actions Right to Privacy Rule 68 SCOTUS Sovereign Immunity TCPA Telemarketing Text Messages U.S. Navy

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