Despite the Federal Communications Commission currently deliberating as to the meaning of “autodialer” under the Telephone Consumer Protection Act, a California federal judge found that the Ninth Circuit has resolved the issue, denying a defendant’s attempt to pause a spam-text suit. Not only does the ruling by U.S. District Judge Haywood S. Gilliam Jr. counter
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Over the past year, several states have passed legislation aiming to regulate the student loan servicing industry due to a perceived failure by the federal government to more heavily regulate it nationwide.
Troutman Sanders attorneys have ample experience defending against laws and regulations similar
On July 25, the Consumer Financial Protection Bureau released an Advance Notice of Proposed Rulemaking (“ANPR”) asking for the mortgage industry’s opinion on the scheduled expiration of a provision in its Ability to Repay/Qualified Mortgage Rule (“Rule”), commonly known as the “QM patch.” The QM patch allows certain mortgage loans that are eligible for purchase
In Reyes v. Educational Credit Management Corporation, Case No. 17-56930, the Ninth Circuit reversed a decision certifying a class action in which the plaintiffs allege violations of California’s Invasion of Privacy Act (“CIPA”) (Cal. Penal Code § 630 et. seq.). In doing so, it held that the district court had failed to determine
On July 30, a district court judge in the Southern District of California granted a defendant debt collector’s motion to dismiss under Rule 12(b)(6) for failure to state a claim. The Court held that the collection letters sent by Capital Management Services, LP (“CMS”) did not constitute violations of the Fair Debt Collection Practices Act
When the U.S. Court of Appeals for the D.C. Circuit decided ACA International v. Federal Communications Commission[1] in March 2018, many viewed the decision as a potential swan song for the Telephone Consumer Protection Act. Experts predicted the FCC, buoyed by Chairman Ajit Pai, would step in quickly to reform existing regulatory guidance interpreting
In a recent decision, the California Supreme Court held that plaintiffs do not need to demonstrate a plan for identifying and notifying class members in order to certify a class, as long as they can point to “objective characteristics and common transaction facts” that will allow the court to ascertain the class in the future.
Aspiring plaintiffs continue to litigate the issue of an attorney’s role in sending debt collection letters. Under the Fair Debt Collection Practices Act, a debt collector may not use false or misleading representations in the collection of a debt. 15 U.S.C. § 1692(e). In Bencomo v. Forster & Garbus LLP, et al., No.
For the past ten years, financial institutions have been working under the framework of the Consumer Financial Protection Bureau’s Overdraft Rule. This rule limits the ability of financial institutions to charge overdraft fees on ATM and one-time debit card transactions that overdraw consumers’ accounts. In recent months, the CFPB has sought comment on whether to
On July 16, the United States Court of Appeals for the Eighth Circuit affirmed a decision from the Eastern District of Missouri awarding $32 million in a Telephone Consumer Protection Act class action. Significantly, in doing so, the Court upheld the district court’s decision to limit the jury’s award to $10 per call for a