A recent decision issued by Chief Judge Timothy J. Corrigan of the Middle District of Florida highlights a straightforward yet consequential class action principle: a plaintiff cannot serve as a class representative for a class to which he or she does not belong. The specific case is Gartrell v. J.J. Marshall & Associates Inc. In Gartrell, the plaintiff alleged that the defendant violated the Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer ... Keep Reading »
Consumer Finance & Banking Class Action Articles
The latest class action developments and trends in the consumer finance and banking industry, including news, key cases, and strategies.
Eleventh Circuit Affirms Class Certification and Settlement in “Factually Peculiar” In re Checking Account Overdraft Litigation Saga
Twelve years after it started, the saga of RBC Bank’s alleged improper assessment and collection of overdraft fees appears to have come to an end. In affirming the district court's certification of the class and approval of a settlement, the Eleventh Circuit Court of Appeals reaffirmed that “typicality” under Federal Rule of Civil Procedure 23 does not require identical claims or defenses and that only a substantial conflict of interest can destroy adequacy of a class ... Keep Reading »
Supreme Court: “Unharmed” Class Members Are Not Entitled to Damages; $40M TransUnion Judgment Reversed
On June 25, the U.S. Supreme Court issued its highly anticipated decision in TransUnion v. Ramirez, a case addressing Article III standing in the context of a class action. The Ninth Circuit Court of Appeals, in a split decision, had approved a $40 million award to a class of 8,185 individuals alleging violations of the Fair Credit Reporting Act, despite serious questions regarding whether a large percentage of class members had suffered any real injury. The class ... Keep Reading »
Eleventh Circuit Approves Largest, Most Comprehensive Data Breach Recovery in U.S. History
On June 3, 2021, the Eleventh Circuit Court of Appeals affirmed, with one caveat, the Northern District of Georgia’s approval of the settlement of the consolidated class actions against Equifax Inc. and its affiliates arising from the 2017 data privacy breach. The district court described the parties’ settlement as “the largest and most comprehensive recovery in a data breach case in U.S. history by several orders of magnitude.” Notably, the Federal Trade Commission, the ... Keep Reading »
A Class Action Settlement With a Chocolate Company Melts Away: Eleventh Circuit Issues En Banc Decision on Article III Standing Principles
On October 28, 2020, the Eleventh Circuit Court of Appeals issued a split (7-3) en banc decision applying Spokeo principles to a claim that a vendor issued a receipt that included more digits from the plaintiff’s credit card than allowed by federal law. The en banc court ruled that the plaintiff did not establish Article III standing. As I reported two years ago after the panel’s decision, the basic background is as follows. This class action lawsuit alleged ... Keep Reading »
Should I Stay or Should I Go? Bankruptcy Preemption May Bar FDCPA and FCCPA Claims Either Way
After receiving a bankruptcy discharge, a borrower whose home is pending foreclosure has two options: stay in the home and, perhaps, make voluntary payments on the mortgage, or leave the home and start fresh. When a debt collector thereafter attempts to collect mortgage payments from that borrower, there may be grounds for a claim under the Fair Debt Collection Practices Act (FDCPA) or one its state law variants, such as the Florida Consumer Collection Practices Act ... Keep Reading »
Third Circuit Ascertainability Requirement Satisfied in FDCPA Class Against Law Firm
Our prior blogs have discussed the Third Circuit’s “rigorous” ascertainability requirement for 23(b)(3) classes here and here. We have also explored how district courts in the Circuit, such as the Eastern District of Pennsylvania, have denied certification in reliance on that heightened standard. A recent E.D. Pa. opinion demonstrates that all is not lost for putative Third Circuit class actions when the proposed class is readily ascertainable based on objective criteria ... Keep Reading »
The Bitter and the Sweet
On October 3, the Eleventh Circuit Court of Appeals affirmed the district court’s approval of a class settlement, an award of attorney’s fees to class counsel, and the provision of an incentive award for the class representative. The court affirmed in the face of objections to the class representative’s Article III standing, the notice pursuant to Rule 23(h), the award of attorney’s fees, and the incentive award to the class representative. The basic background is as ... Keep Reading »
A Treat for Plaintiffs’ Lawyers: Middle District of Florida Finds Bristol-Myers Squibb Inapplicable to Class Actions
As we previously reported, courts continue to sift through the unsettled law left in the wake of the U.S. Supreme Court’s decision in Bristol-Myers Squibb v. Superior Court of California. The decision involved a mass tort action in which the California Supreme Court asserted specific personal jurisdiction over the claims of non-resident plaintiffs who were allegedly injured outside the state of California. The U.S. Supreme Court disagreed, holding that the exercise of ... Keep Reading »
The Eleventh Circuit Weighs in on the Intersection of Arbitration and Class Action Jurisprudence
On September 19th, the Eleventh Circuit Court of Appeals resolved a question of first impression in the circuit: whether the availability of the class action mechanism is a question of arbitrability that presumptively should be decided by the court. The Court ruled that the availability of class arbitration presumptively should be decided by the court. But, in a second ruling that could overshadow the first for many existing arbitration agreements, the Court proceeded to ... Keep Reading »
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