Photo of Massie P. Cooper

Massie focuses her practice in the areas of business disputes, complex litigation and defense of financial institutions against consumer claims. She has significant courtroom experience, which enables her to accommodate clients’ needs.

On June 12, the Supreme Court of Appeals of West Virginia reversed a Circuit Court ruling and stated that a high volume of telephone calls from a debt collector to a consumer, absent any evidence the debt collector placed the calls with an intent to annoy, abuse, oppress, or threaten the consumer, is not sufficient

On May 5, 2016, the CFPB announced proposed rules that would further restrict the ability of financial institutions to enter into mandatory arbitration clauses with consumers, including an outright ban on provisions that would prohibit consumers from pursuing class actions in court. The proposed rules do not forbid all mandatory arbitration clauses, however. Financial institutions

On September 3, Judge Edmond E. Chang of the Northern District of Illinois issued a decision stating that the display of a series of letters and numbers in which the debtor’s account number was allegedly embeddedthrough an envelope window does not violated the Fair Debt Collection Practices Act.   

In Schmid v. Transworld

As previously reported, a federal judge in Atlanta denied a law firm’s motion to dismiss a claim against it filed by the Consumer Financial Protection Bureau for violations of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act or the Dodd-Frank Act.  On July 27, Frederick J. Hanna & Associates  filed

On July 14, a federal judge in Atlanta denied Frederick J. Hanna & Associates’ motion to dismiss in Consumer Financial Protection Bureau v. Frederick J. Hanna & Associates PC, which the CFPB filed against the law firm arising out of alleged violations of the Fair Debt Collection Practices Act and Consumer Financial Protection Act.

On Wednesday, July 15, CFPB Director Richard Cordray assured the Senate Banking, Housing and Urban Affairs Committee, as well as the public, that data collected by the CFPB could not be used to personally identify any consumer.  A September report by the U.S. Government Accountability Office found that the CFPB collects information on 700,000 car

On July 14, 2015, a federal judge in Atlanta denied a law firm’s Motion to Dismiss a claim against it filed by the Consumer Financial Protection Bureau (“CFPB”) for violations of the Fair Debt Collection Practices Act (“FDCPA”) and the Consumer Financial Protection Act or the Dodd-Frank Act (“Dodd-Frank”).

The CFPB filed suit against a

Representatives from the Credit Union National Association (CUNA) addressed the Senate Banking Committee on July 14 in advance of the Committee’s July 15 Hearing with Director Richard Cordray of the Consumer Financial Protection Bureau (CFPB).   

CUNA representatives recommended that Congress clarify and expand the CFPB’s exemption authority.  This would permit the CFPB to further exempt

On June 30, the Court of Appeals of New York answered questions certified from the Second Circuit regarding whether a New York City law imposing certain requirements on attorneys engaged in debt collection practices is preempted by state law.

Local Law 15, which was enacted in 2009, expanded an earlier definition of debt collection agencies

On June 16, 2015, the New York State Department of Financial Services (“DFS”) released additional guidance related to its recently enacted debt collection regulations. The new clarifications supplement DFS’ initial set of “Frequently Asked Questions” released in February, with new guidance beginning at Question #17. DFS announced publication of the supplemental guidance during a