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Third Circuit Finds Vacatur of Default Judgment Does Not Make Collection Activity Retroactively Unlawful

On January 11, 2023, the Third Circuit held that attempting to collect on a default judgment did not constitute using "'false, deceptive, or misleading' representations in connection with collecting the judgment" if the...more

Eighth Circuit Holds Promotional Text Messages Not Sent by ATDS

In Beal v. Outfield Brew House, LLC, — F.4th —, 2022 WL 868697 (8th Cir. Mar. 24, 2022), the Eighth Circuit considered whether an automated marketing system that was used to send promotional text messages to randomly selected...more

Communicating with Consumers after the CFPB's Debt Collection Final Rules Take Effect

I. Introduction - On November 30, 2021, the Bureau of Consumer Financial Protection's ("CFPB") October and December 2020 Final Rules take effect. See 86 FR 48918-01. Among other things, the October and December 2020 Final...more

Supreme Court Holds Class Members Must Show Concrete Harm

On June 25, 2021, in a 5-4 decision, the Supreme Court held that the individual members of a class “must demonstrate, among other things, that they suffered a concrete harm” in order to have Article III standing to recover...more

District of Kansas Holds a Device that Dials from Stored Customer Database is Not an ATDS

On April 13, 2020, the District Court of Kansas in Hampton v. Barclays Bank Delaware, No. 18-4071-DDC-ADM, 2020 WL 4698476 (D. Kan. Aug. 13, 2020), joined the Seventh and Eleventh Circuits in holding that devices that...more

State Attorneys General, Lawmakers and Banking Groups Urge Congress to Exempt Stimulus Checks from Garnishments

On Monday, April 13, 2020, the Attorneys General of 25 States submitted a letter to the U.S. Department of Treasury urging Secretary Mnuchin to take action to ensure that relief payments issued to consumers pursuant to the...more

Financial Regulators Update Previous Statement on Loan Modifications and Reporting Pursuant to CARES Act

On April 7, 2020, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Consumer...more

CFPB Releases COVID-19 Credit Reporting Guidance

On April 1, 2020, the Consumer Financial Protection Bureau (“CFPB”) released a policy statement providing guidance on credit reporting companies’ and furnishers’ responsibilities during COVID-19. The CFPB’s policy statement...more

District Court in Alabama Dismisses Putative Class Action Alleging Settlement Letter Violated the FDCPA

In Swann v. Dynamic Recovery Solutions, LLC, No. 4:18-CV-1000-VEH, 2018 WL 6198997 (N.D. Ala. Nov. 28, 2018), the Northern District of Alabama dismissed a putative class action case alleging a letter seeking to collect a...more

District Court of Minnesota Finds Calls to a Reassigned Number Did Not Violate the TCPA

In Roark v. Credit One Bank, N.A., No. 16-173 (PAM/ECW), 2018 WL 5921652 (D. Minn. Nov. 13, 2018), the District Court of Minnesota found that calls to a reassigned phone number did not violate the TCPA because the caller’s...more

Massachusetts District Court Finds Virtual Currencies Are Commodities

In Commodity Futures Trading Commission v. My Big Coin Pay, Inc., — F. Supp. 3d —, 2018 WL 4621727 (D. Mass. Sept. 26, 2018), the Massachusetts District Court determined that the Commodity Futures Trading Commission (“CFTC”)...more

Middle District of Florida Finds ACA Vacated the 2003, 2008, and 2015 FCC Orders

In Gonzalez v. Ocwen Loan Servicing, LLC, No. 5:18-cv-340-Oc-30PRL, 2018 WL 4217065 (M.D. Fla. Sept. 5, 2018), the Middle District of Florida determined that the D.C. Circuit’s opinion in ACA International v. FCC, 885 F.3d...more

Central District of California Finds ACA Set Aside All FCC Autodialer Guidance

In Washington v. Six Continents Hotels, Inc., No. 2:16-CV-03719-ODW-JEM, 2018 WL 4092024 (C.D. Cal. Aug. 24, 2018), the Central District of California found that ACA International v. FCC, 885 F.3d 687 (D.C. Cir. 2018)...more

Eastern District of Michigan Finds Aspect System is Not an ATDS

In Keyes v. Ocwen Loan Servicing, LLC, No. 17-cv-11492, 2018 WL 3914707 (E.D. Mich. Aug. 16, 2018), the Eastern District of Michigan determined that the system Ocwen Loan Servicing, LLC (“Ocwen”) used to place calls, the...more

District Court of Connecticut Follows Reyes Decision

In Harris v. Navient Solutions, LLC, No. 3:15-cv-564 (RNC), 2018 WL 3748155 (D. Conn. Aug. 7, 2018), the United States District Court for the District of Connecticut followed the Second Circuit’s decision in Reyes v. Lincoln...more

Northern District of Alabama Holds Contractual Consent Cannot Be Revoked Under TCPA

The Northern District of Alabama recently followed the Second Circuit’s holding in Reyes v. Lincoln Automotive Financial Services, 861 F.3d 51 (2d Cir. 2017), and held that consent provided in a contract as part of a...more

SEC Disapproves of Proposed Rule Change for Winklevoss Bitcoin Trust

On July 26, 2018, the Securities and Exchange Commission issued a 92-page release disapproving of Bats BZX Exchange, Inc.’s (“BZX”) proposed rule change which sought to list and trade shares of the Winklevoss Bitcoin Trust....more

Where is Blockchain?: Jurisdictional Issues That May Affect Distributed Ledgers

A distributed ledger often referred to as blockchain or distributed ledger technology (“DLT”), has a wide variety of potential uses and is currently being touted as a helpful tool for tracking financial transactions such as...more

Northern District of Ohio Follows Second Circuit's Reyes Decision

In Barton v. Credit One Financial d/b/a Credit One Bank, No. 16CV2652, 2018 WL 2012876, (N.D. Ohio April 30, 2018), the Northern District of Ohio followed the Second Circuit’s decision in Reyes v. Lincoln Automotive Financial...more

Southern District of Florida Finds Text Message Response to an Advertisement is Not a Violation of the TCPA

In Edelsberg v. Vroom, Inc., No. 16-cv-62734-GAYLES, 2018 WL 1509135 (S.D. Fla. Mar. 27, 2018), the Southern District of Florida held that an advertisement directing interested persons to contact a number provided in the...more

Southern District of Florida Finds Telephone Dialing System is Not an ATDS Under the TCPA

In Ferrer v. Bayview Loan Servicing, LLC, No. 15-20877-Civ-Scola, 2018 WL 582584 (S.D. Fla. Jan. 26, 2018), the Southern District of Florida determined that a telephone dialing system that was incapable of predictively...more

Ninth Circuit Finds No Vicarious Liability Under the TCPA for Marketing Text Message

In Kristensen v. Credit Payment Services, Inc., — F.3d —, 2018 WL 343758 (9th Cir. 2018), the Ninth Circuit recently held that three lenders and two marketing companies could not be vicariously liable under the TCPA for text...more

Second Circuit Finds that Flu Shot Reminder Text Does Not Violate TCPA

In Latner v. Mt. Sinai Health System, Inc., ___ F.3d ___, 2018 WL 265085 (2d Cir. 2018), the Second Circuit recently held that a single flu shot reminder text does not violate the TCPA when a patient gives prior express...more

Massachusetts District Court Finds VoIP Service is Not Cellular Service Per Se Under the TCPA

In Breda v. Cellco Partnership, No. 16-11512-DJC, 2017 WL 5586661 (D. Ma. Nov. 17, 2017), the plaintiff, Robin Breda (“Plaintiff”) claimed Cellco Partnership (“Cellco”) violated § 227(b)(1) of the Telephone Consumer...more

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