Zach is an associate in the firm’s Consumer Financial Services Practice Group. Before joining the firm, he served as a judicial clerk to the Honorable Michael F. Urbanski in the U.S. District Court for the Western District of Virginia. He was also a summer associate in the firm’s Richmond office.

The Middle District of Florida rounded out 2022 by ruling in conformance with Eleventh Circuit precedent that plaintiffs must have a factual, rather than legal, dispute to bring suit against a credit furnisher under §1681s-2b of the Fair Credit Reporting Act (FCRA).

In Belair v. Holiday Inn Club Vacations Inc., the plaintiffs contracted to