Filed June 12, 2014
Similarly unavailing is ITT’s citation to one Bureau Bulletin’s description of service providers as those 14 Those entities are indisputably “covered persons” because of their role in originating and disbursing the SCUC loans, which are “consumer financial products.” 12 U.S.C. §§ 5481(5), (6), (15)(A)(i). Case 1:14-cv-00292-SEB-TAB Document 25 Filed 06/12/14 Page 29 of 49 PageID #: 418 17 providing “outsource[d]” functions.
Filed June 5, 2015
For example, Frontline and Pathfinder were directly involved in helping the Debt Collectors establish and maintain their payment processing accounts in a manner that would help elude 27 12 U.S.C. § 5481(26)(A)(ii) (2010). 28 12 U.S.C. § 5481(26)(B)(i) (2010). 29 Compl. ¶¶ 85, 144-146, 151, 174, 175, 181, 196, 206, 216; 12 U.S.C. § 5481(15)(A)(x) (2010) (defining “consumer financial product or service” to include “collecting debt related to any consumer financial product or service”). 30 Compl. ¶¶ 80, 81, 84, 85, 144-246; See 12 U.S.C. § 5481(26)(A)(i) (2010). 31 Compl. ¶¶ 80, 84; 12 U.S.C. § 5481(15)(A)(vii) (2010). 32 See 12 U.S.C. § 5481(26)(A)(ii) (2010). 33 E.g., Compl. ¶¶ 80, 84, 144-151,165, 205, 217, 218. Case 1:15-cv-00859-RWS Document 114 Filed 06/05/15 Page 13 of 33 8 fraud detection, even when they had ample reason to suspect illegal activity.34 Frontline and Pathfinder went well beyond providing only a “ministerial service.” 2. Global, Pathfinder, and Frontline committed unfair acts or practices by ignoring clear signs of illegal conduct while collecting consumers’ payments for the Debt Collectors.
Filed July 22, 2014
28(a). The BHCA’s limits are also consistent with the ordinary meaning of “credit counseling” and “debt management,” 12 U.S.C. § 5481(15)(A)(viii), terms which describe formal analysis of a consumer’s personal finances. 28 C.F.R. § 58.
Filed May 12, 2015
a. Unfair Practices Provision To establish liability for aiding and abetting the violation of the Unfair Practices Provision “or any rule or order issued thereunder,” the Bureau must demonstrate that Pathfinder “knowingly or recklessly provide[d] substantial 44 12 U.S.C. § 5481(26)(A)(ii). 45 12 U.S.C. § 5481(26)(A)(ii). Case 1:15-cv-00859-RWS Document 89 Filed 05/12/15 Page 24 of 31 21 assistance” to another who committed a primary violation.46 The Apuzzo court has already interpreted the Substantial Assistance Provision.
Filed August 1, 2016
RIGOR DEMIRCHYAN, AND MARINA DEMIRCHYAN’S MOTION TO DISMISS Date: October 17, 2016 Time: 1:30 p.m. Judge: Hon. Philip S. Gutierrez Ctrm: 880 Case 2:15-cv-09692-PSG-E Document 39-4 Filed 08/01/16 Page 1 of 2 Page ID #:216 [PROPOSED} ORDER GRANTING DEFENDANTS’ MOTION TO DISMISS Case No. 2:15-cv-09692-PSG(Ex) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Before the Court is Defendants D and D Marketing, Inc., d/b/a T3Leads, Grigor Demirchyan, and Marina Demirchyan’s (collectively, “Defendants”) Motion to Dismiss the Consumer Financial Protection Bureau’s (“Plaintiff”) Amended Complaint Pursuant to Rule 12(b)(6) of the Federal Rules of Civil Procedure. Having considered the Parties’ moving and opposition papers, and good cause appearing, the Court finds that: (1) Plaintiff does not have authority to bring this action; (2) construing Defendants’ alleged conduct as “unfair” or “abusive” under the Consumer Financial Protection Act, 12 U.S.C. §§ 5481-5603, would render the statute unconstitutionally vague as applied to Defendants; (3) Plaintiff has not adequately pled its claims; and (4) Plaintiff cannot recover the relief it seeks. IT IS THEREFORE ORDERED that Defendants’ Motion to Dismiss is GRANTED.
Filed December 2, 2015
A “service provider” is “any person that provides a material service to a covered person in connection with the offering or provision by such covered person of a consumer financial produce or service.” 12 U.S.C. § 5481(26) (emphasis added). The statute further provides two examples of material services: (i) “participates in the designing, operating, or maintaining the consumer financial product or service; or (ii) processes transactions relating to the consumer financial product or service.”
Filed October 7, 2016
il v. Watt, 643 F.2d 618 (9th Cir. 1981) ................................................................................ 3 Williams v. Gerber Products Co., 552 F.3d 934 (9th Cir. 2008) ................................................................................ 4 STATUTES 12 U.S.C. § 5481(6) ................................................................................................... 7 Case 2:16-cv-07111-BRO-JEM Document 14 Filed 10/07/16 Page 7 of 32 Page ID #:62 vi PRIME MARKETING HOLDINGS, LLC’S MOTION TO DISMISS COMPLAINT FOR PERMANENT INJUNCTION AND OTHER RELIEF 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 1 2 3 V E N A B L E L L P 5 0 5 M O N T G O M E R Y S T R E E T , S U IT E 1 4 0 0 S A N F R A N C IS C O , C A 9 4 1 1 1 4 1 5 -6 5 3 -3 7 5 0 12 U.S.C. § 5481(14) ................................................................................................. 9 12 U.S.C. § 5481(15)(A)(viii) and (ix) ...................................................................... 7 12 U.S.C. §§ 5531, 5536 ......................................................................................... 19 12 U.S.C. §5531(a) .................................................................................................... 7 12 U.S.C. §§ 5565(a)(2)(C), (D) ............................................................................. 10 15 U.S.C. § 1679 (CROA effective September 30, 1996) ...................................... 11 15 U.S.C. § 1679 et seq ........................................................................................... 11 15 U.S.C.§ 1679b(b) .......................................................................................... 12, 13 15 U.S.C. § 1681i .................................................................................................... 16 15 U.S.C. § 6102 ......................................................................................
Filed September 23, 2016
51 12 U.S.C. § 5565(a)(1). 52 See 12 U.S.C. § 5481(12)(Q), (14). 53 CFPB v. Gordon, 819 F.3d 1179 (9th Cir. 2016).
Filed August 8, 2016
However, not all services automatically qualify a person as a service provider: “(B) Exceptions The term “service provider” does not include a person solely by virtue of such person offering or providing to a covered person-- 14 Defendant Gasparyan’s Motion to Dismiss Plaintiff’s First Amended Complaint Case 2:16-cv-02725-PSG-E Document 31 Filed 08/08/16 Page 22 of 34 Page ID #:170 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 (i) a support service of a type provided to businesses generally or a similar ministerial service” 12 U.S.C.A. § 5481(26)(b). (emphasis added).
Filed December 11, 2014
Insofar as any third-party service provider the Individual Defendants used for lead generation, loan underwriting, loan disclosure, or any other purposes engaged in unlawful acts or practices, liability for those acts or practices also 10 There is no question the Individual Defendants are “covered person[s]” under the Act, 12 U.S.C. § 5481(6), which defines the term as “any person that engages in offering or providing a consumer financial product or service….” 11 12 U.S.C. § 5481(26). 12 12 U.S.C. § 5536.