Credit Reporting + Data Brokers

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In Ritchie v. Northern Leasing Systems, Plaintiff alleged twelve “myriad causes of action” ranging from civil RICO claims to federal fair credit statutes arising from Plaintiff’s lease of certain business equipment from Defendants.  Plaintiff Patricia Ritchie applied for credit card processing services and a credit card machine for her business through a company called …

In Chen v. Allstate Insurance Co., the Ninth Circuit became one of the first courts to address a significant question left open by the Supreme Court’s recent decision in Campbell-Ewald.  Specifically, the Ninth Circuit considered whether a defendant could moot a plaintiff’s class claims by making an offer of judgment for complete relief, …

On April 13, the House Financial Services Committee approved a bill by a 33-20 vote that is intended to end direct funding of the CFPB by the Federal Reserve and require the Bureau to be subject to the regular congressional appropriations process.  This Committee joins others in approving similar measures that would institute a variety …

Judge Beth Labson Freeman for the United States District Court for the Northern District of California recently joined numerous other courts across the country in staying a putative FCRA class action pending the outcome of the Supreme Court’s decision in Spokeo Inc. v. Robins.

The underlying action in the California court challenged the defendant’s…

Commissioner Julie Brill with the Federal Trade Commission recently announced that she will step down at the end of this month to enter private practice. 

Brill was appointed by President Obama and sworn in on April 6, 2010.  Prior to joining the FTC, Brill was the Senior Deputy Attorney General and Chief of Consumer Protection …

On February 29, the Supreme Court denied certiorari review in Mullins v. Direct Digital, LLC, No. 15-1776.  The Mullins decision, which arose out of the Seventh Circuit, created a circuit split with the Eleventh and Third circuits with respect to the implicit “ascertainability” requirement that those two circuits had found precluded class certification.  …

Penn National Gaming has been hit with a class action alleging violations of the Fair Credit Reporting Act’s requirement that an employer’s disclosure to a job applicant that a background check is being obtained be made in a document consisting “solely” of the disclosure.

According to the complaint filed in the Philadelphia County Court of…

As part of the Federal Trade Commission’s systematic review of all current FTC rules and guides, the agency recently announced a modified 10-year regulatory review schedule.  To ensure that its rules and industry guides stay relevant and are not overly burdensome, the FTC reviews them at 10-year intervals.  The review schedule is published each…

I.   Background

On February 3, 2016, the Consumer Financial Protection Bureau (CFPB) issued a bulletin warning companies that furnish information on consumers to consumer reporting agencies (CRAs) yet again of the need to have adequate policies and procedures. This bulletin makes clear that any company that supplies information to CRAs is in an area of…

On January 15, the United States Supreme Court granted a writ of certiorari in the matter of Baker v. Microsoft Corp. on the issue of whether plaintiffs may voluntarily dismiss their suit after class certification is denied as a procedural tactic to guarantee appellate review of an unfavorable class certification decision.

Rule 23(f) allows a…