Financial Services Update -
TCPA / ATDS: lender's dialer equipment not an ATDS because it is not capable of generating and dialing random or sequential numbers - Brown v. Ocwen Loan Serv. LLC, No. 8:18-cv-136-T-60AEP (M.D....more
9/17/2019
/ Article III ,
ATDS ,
Capital One ,
Class Action ,
Class Certification ,
Fair Credit Reporting Act (FCRA) ,
FCCPA ,
Financial Services Industry ,
Harassment ,
Lenders ,
Ocwen ,
Robocalling ,
Standing ,
Summary Judgment ,
TCPA
Real Property Update -
Foreclosure Sale: borrowers failed to allege adequate equitable factors and make proper showing to justify setting aside foreclosure sale, but instead re-litigate issues determined in underlying...more
9/3/2019
/ ATDS ,
Bad Faith ,
Breach of Contract ,
Choice-of-Law ,
Deficiency Judgments ,
Deutsche Bank ,
Ditech Holding Corp. ,
Dual Tracking Restrictions ,
FDCPA ,
Financial Services Industry ,
Foreclosure ,
Foreclosure Sales ,
Mortgages ,
Partitions ,
Pleading Standards ,
Regulation Z ,
RESPA ,
TCPA ,
Title Insurance ,
Truth in Lending Act (TILA)
Real Property Update -
Construction / Statute of Repose: the installation of an attic ladder is an improvement to real property; thus, the ten-year statute of repose of section 95.11(3)(c) applies - Harrell v. The Ryland...more
8/27/2019
/ ATDS ,
Class Action ,
Construction Industry ,
Construction Project ,
Consumer Financial Products ,
Consumer Privacy Rights ,
FDUTPA ,
Financial Services Industry ,
Land Use Restrictions ,
Navient ,
Prior Express Consent ,
Real Estate Market ,
Revocation ,
Standing ,
Statute of Repose ,
TCPA ,
Unfair or Deceptive Trade Practices
Real Property Update -
Quiet Title / Extinguishment: mortgage merged and ceased to be an encumbrance when the mortgage on land and the equity of redemption in the same land become united in the same person - Young Land...more
8/14/2019
/ Action to Quiet Title ,
Class Action ,
Data Breach ,
Encroachments ,
FDUTPA ,
Financial Services Industry ,
Foreclosure ,
Mortgages ,
Standing ,
Summary Judgment ,
TCPA ,
Title Insurance ,
Unfair or Deceptive Trade Practices ,
Unsolicited Faxes ,
Wells Fargo
Real Property Update -
Foreclosure / Res Judicata: res judicata did not apply where later foreclosure action was based on different period of default than the prior action on same loan - Bullock v. Bayview Loan Servicing,...more
7/8/2019
/ Damages ,
Debt Collection ,
FDCPA ,
Financial Services Industry ,
Foreclosure ,
Mortgages ,
Res Judicata ,
RESPA ,
Statute of Limitations ,
TCPA ,
Title Insurance ,
Truth in Lending Act (TILA)
Real Property Update -
Foreclosure / Business Records / Hearsay: trial court abused its discretion in excluding collection notes into evidence where witness sufficiently laid predicate for admissibility of these records -...more
7/8/2019
/ Attorney's Fees ,
Consumer Financial Products ,
Debt Collection ,
Fair Credit Reporting Act (FCRA) ,
FDCPA ,
Financial Services Industry ,
First Amendment ,
Foreclosure ,
Mortgages ,
Popular ,
RESPA ,
Standing ,
TCPA
Real Property Update -
Mortgagee Liability: because section 701.04(1)(a), Florida Statutes, requires that the holder of a mortgage deliver to the mortgagor a written estoppel letter setting forth the unpaid balance of the...more
7/8/2019
/ Attorney's Fees ,
FCC ,
FDUTPA ,
Financial Services Industry ,
Mortgages ,
Motion to Dismiss ,
PDR Network LLC v Carlton & Harris Chiropractic Inc ,
Remand ,
Statute of Limitations ,
TCPA ,
Title Insurance ,
Unsolicited Faxes ,
Vacated
Real Property Update -
Public Official Standing Doctrine: county school district that benefited from ad valorem taxes charged by county could not challenge constitutionality of statutory tax exemption claimed by homeowners...more
6/7/2019
/ Ad Valorem Tax ,
Advertising ,
Article III ,
Class Certification ,
Consequential Damages ,
Consumer Reporting Agencies ,
Consumer Reports ,
Deficiency Judgments ,
Dish Network ,
Do Not Call List ,
Fair Credit Reporting Act (FCRA) ,
FDCPA ,
Financial Services Industry ,
Foreclosure ,
Homeowners Association (HOA) ,
Insurance Contracts ,
Misrepresentation ,
Public Officials ,
Standing ,
Tax Exemptions ,
TCPA ,
Unsolicited Faxes
Real Property Update -
Sanctions / Dismissal: trial court abused discretion in dismissing bank’s foreclosure action; record established bank complied with discovery orders on which the motion for dismissal/sanctions was...more
5/22/2019
/ Arbitration ,
Bank of America ,
Bank of New York (BNY) Mellon ,
Consumer Financial Products ,
Damages ,
ECOA ,
Equitable Subrogation ,
Fair Credit Reporting Act (FCRA) ,
FDCPA ,
Financial Institutions ,
Financial Services Industry ,
Foreclosure ,
Mortgages ,
RESPA ,
Sanctions ,
Statute of Limitations ,
TCPA ,
Title Insurance ,
Wells Fargo
Real Property Update -
• Foreclosure / Reverse Mortgage / Condition Precedent: bank failed to establish that the subject property was not the principal residence of surviving co-borrower under its reverse mortgage, a...more
5/2/2019
/ Auto-Dialed Calls ,
Condition Precedent ,
Constitutional Challenges ,
Creditors ,
Debt Collection ,
Debtors ,
Dismissals ,
Fair Credit Reporting Act (FCRA) ,
FCC ,
FDCPA ,
Financial Services Industry ,
First Amendment ,
Foreclosure ,
Fraudulent Concealment ,
Free Speech ,
Mortgage Lenders ,
Mortgages ,
Notice Requirements ,
Property Owners ,
RESPA ,
Reversal ,
Reverse Mortgages ,
Sales Contracts ,
Standing ,
Statute of Limitations ,
Summary Judgment ,
TCPA ,
Tolling
Financial Services Update -
• TCPA: plaintiff's putative TCPA class action arose from post-agreement conduct that did not fall within scope of contract's arbitration agreement - Getz v. DirecTV, LLC, 359 F. Supp. 3d 1222...more
5/2/2019
/ Arbitration Agreements ,
Attorney's Fees ,
Debt Collection ,
FDCPA ,
FDUTPA ,
Financial Services Industry ,
Homeowner's Insurance ,
Homeowners ,
Putative Class Actions ,
RESPA ,
TCPA
Financial Services Update -
FDCPA / definition of "debt collector": law firm carrying out a nonjudicial foreclosure action not a debt collector because the primary definition of a "debt collector" under sec. 1692a does not...more
4/24/2019
/ Administrative Procedure Act ,
Concurrent Litigation ,
Consumer Financial Products ,
Debt Collection ,
FDCPA ,
Financial Services Industry ,
First American Title Insurance Co. ,
Foreclosure ,
Insurance Litigation ,
Mortgages ,
Negligence ,
Professional Negligence ,
Standing ,
Statute of Limitations ,
TCPA ,
Title Insurance ,
US Bank National Association
Real Property Update -
Lis Pendens: trial court erred by not discharging lis pendens concerning real property because defendant did not grant an interest in the property, and plaintiff's claims did not allege requisite fair...more
3/20/2019
/ Ascertainable Class ,
Consumer Bankruptcy ,
Damages ,
Debt Collection ,
Deed-in-Lieu of Foreclosure ,
Dischargeable Debts ,
FCCPA ,
FDCPA ,
Foreclosure ,
Injunctions ,
Lis Pendens ,
Mortgages ,
Rooker-Feldman Doctrine ,
TCPA ,
Title Insurance
Financial Services Update -
FDCPA: no liability for a debt collector that provides the name of the hospital, the account number, patient name, date of service, and amount of debt, but who fails to include the word "creditor"...more
3/20/2019
/ Article III ,
ATDS ,
Commercial Insurance Policies ,
Covenant of Good Faith and Fair Dealing ,
Debt Collection ,
Department of Financial Services ,
Duty to Defend ,
Duty to Indemnify ,
FDCPA ,
Financial Services Industry ,
First American Title Insurance Co. ,
Insurance Regulations ,
Invasion of Privacy ,
Mortgages ,
Policy Exclusions ,
Standing ,
TCPA ,
Telemarketing ,
Title Insurance
Real Property Update -
Foreclosure / Paragraph 22: bank failed to introduce sufficient evidence to prove default letter was sent to borrower pursuant to paragraph 22 of the mortgage where bank's witness never testified that...more
3/20/2019
/ Assignments ,
Banks ,
Debt Collection ,
Deutsche Bank ,
Disclosure Requirements ,
FCCPA ,
FDCPA ,
Financial Services Industry ,
Foreclosure ,
Insurance Litigation ,
Mortgages ,
Negligence ,
Notice of Default ,
Res Judicata ,
TCPA ,
Telemarketing ,
Title Examination ,
Title Insurance
Real Property Update -
Homestead: injunction for municipal violations, which prevented a spouse from returning to the property, did not destroy or "abandon" homestead protections (preventing one spouse from selling the...more
2/19/2019
/ ATDS ,
Debt Collection ,
FDCPA ,
Federal Pleading Requirements ,
Financial Services Industry ,
Homestead Exemption ,
Insurance Litigation ,
Mortgages ,
Putative Class Actions ,
Quicken Loans ,
Subrogation ,
TCPA ,
Text Messages ,
Title Insurance
Real Property Update -
Trespass / Temporary Injunction: temporary injunction order premised upon a physical trespass onto property, which did not specify actions that constitute trespass, did not enjoin use of airspace over...more
2/19/2019
/ Article III ,
ATDS ,
Bank of New York (BNY) Mellon ,
Consumer Financial Products ,
Debt Collection ,
Deficiency Notices ,
Deutsche Bank ,
FDCPA ,
Financial Services Industry ,
Foreclosure ,
Injunctions ,
Insurance Litigation ,
Lyft ,
Mortgages ,
Negligent Misrepresentation ,
Standing ,
TCPA ,
Title Insurance ,
Trespass ,
Unsolicited Faxes ,
Vicarious Liability
REAL PROPERTY UPDATE -
Foreclosure/Statute of Limitations & Res Judicata: trial court erred in finding that bank's foreclosure action was barred by statute of limitations and res judicata - U.S. Bank Nat'l Ass'n, etc. v....more
8/2/2018
/ Auto-Dialed Calls ,
Deutsche Bank ,
FDCPA ,
Financial Services Industry ,
First American Title Insurance Co. ,
Foreclosure ,
Material Misrepresentation ,
Mortgages ,
Nationstar ,
Res Judicata ,
RESPA ,
Right of Redemption ,
Statute of Limitations ,
TCPA ,
Time Warner Cable ,
Title Insurance ,
US Bank National Association
REAL PROPERTY UPDATE -
- Equitable Lien/Foreclosure: lender entitled to an equitable lien, but not entitled to foreclose on that lien where was no showing of default on mortgage from which the lien arose - Rozanski v....more
6/28/2018
/ Action to Quiet Title ,
Condition Precedent ,
Condominium Associations ,
Condominiums ,
Consumer Financial Products ,
Debt Collection ,
Deutsche Bank ,
Equitable Lien ,
Fair Credit Reporting Act (FCRA) ,
Financial Services Industry ,
Foreclosure ,
Foreign Judgments ,
Fraudulent Transfers ,
Insurance Code ,
Midland Funding ,
Mortgages ,
Motion to Vacate ,
Old Republic Title ,
Personal Jurisdiction ,
Restrictive Covenants ,
Specific Jurisdiction ,
Supplemental Jurisdiction ,
TCPA ,
Title Insurance ,
US Bank National Association ,
Wells Fargo
REAL PROPERTY UPDATE -
Foreclosure/Standing: bank's allegation in complaint that it acquired loan and possessed both legal and beneficial interest in note and mortgage prior to filing complaint, coupled with the subsequent...more
6/6/2018
/ Article III ,
Attorney's Fees ,
Bank of New York (BNY) Mellon ,
Fair Credit Reporting Act (FCRA) ,
FDCPA ,
Financial Services Industry ,
First American Title Insurance Co. ,
Foreclosure ,
HELOC ,
JPMorgan Chase ,
Mortgages ,
Policy Exclusions ,
RICO ,
Standing ,
Statute of Limitations ,
TCPA ,
Title Insurance ,
Wells Fargo
REAL PROPERTY UPDATE -
Lis Pendens: lawsuit to foreclose mortgage on real property is an action "founded on a duly recorded instrument" - National American Home, LLC v Deutsche Bank Nat. Trust Co., Case No. 4D17-2614 (Fla....more
4/25/2018
/ Attorney's Fees ,
Bank of New York (BNY) Mellon ,
Condition Precedent ,
Debt Collection ,
Deutsche Bank ,
Fair Credit Reporting Act (FCRA) ,
FCCPA ,
FDCPA ,
Financial Services Industry ,
First American Title Insurance Co. ,
Foreclosure ,
Lis Pendens ,
Marketable Title ,
Mortgages ,
Pleadings ,
Regulatory Violations ,
RESPA ,
RICO ,
TCPA ,
Title Insurance ,
US Bank National Association
REAL PROPERTY UPDATE -
Condition Precedent: trial court properly rejected motion to dismiss for failure to satisfy condition precedent of pre-litigation non-binding arbitration, required by Chapter 718, Florida Statutes,...more
3/23/2018
/ Bank of New York (BNY) Mellon ,
Citigroup ,
Condition Precedent ,
Deutsche Bank ,
ECOA ,
Eviction ,
Fair Credit Reporting Act (FCRA) ,
FCC ,
FDCPA ,
Financial Services Industry ,
Foreclosure ,
Insurance Industry ,
JPMorgan Chase ,
Mortgages ,
Real Estate Market ,
RESPA ,
Statute of Limitations ,
TCPA ,
Title Insurance ,
Truth in Lending Act (TILA) ,
Unclean Hands ,
Wells Fargo
REAL PROPERTY UPDATE -
Foreclosure/Standing: borrower's standing arguments failed because they were based on notion that note changed hands after it was delivered to World Savings Bank in 2007, when in fact the note...more
3/5/2018
/ Article III ,
ATDS ,
Banking Sector ,
Damages ,
Debt Collection ,
Deutsche Bank ,
FDCPA ,
Fidelity National Title Insurance Company ,
Foreclosure ,
HSBC ,
Insurance Industry ,
Mechanics Lien ,
Mortgages ,
Policy Exclusions ,
Rite Aid ,
Standing ,
Statute of Limitations ,
Sufficient Nexus ,
TCPA ,
Title Insurance ,
Tortious Interference ,
US Bank National Association ,
Wells Fargo
Misrepresentation/Concealment: genuine issues of material fact remained in dispute regarding whether board-certified real estate attorney committed fraudulent or negligent misrepresentation or concealment by falsely assuring...more
2/14/2018
/ Article III ,
Attorney's Fees ,
Bank of New York (BNY) Mellon ,
Breach of Contract ,
Condition Precedent ,
D&O Insurance ,
Diminution in Value ,
Easements ,
Fair Credit Reporting Act (FCRA) ,
FCCPA ,
FDCPA ,
Fifth Third Mortgage Company ,
Financial Services Industry ,
Foreclosure ,
Fraudulent Concealment ,
Guaranty Claims ,
Hearsay ,
Homestead Exemption ,
HSBC ,
Insurance Industry ,
JPMorgan Chase ,
Misrepresentation ,
Mortgages ,
Old Republic Title ,
PNC ,
Real Estate Market ,
Regulatory Violations ,
RESPA ,
Standing ,
TCPA ,
Title Insurance ,
Truth in Lending Act (TILA)
REAL PROPERTY UPDATE -
Standing/Foreclosure: pursuant to Florida Rule of Procedure 1.260, the assignee of a note during pendency of a foreclosure acquires standing of original plaintiff lender - Spicer v Ocwen Loan...more
1/25/2018
/ Article III ,
Banking Sector ,
Fair Credit Reporting Act (FCRA) ,
FCCPA ,
FDCPA ,
Financial Services Industry ,
First American Title Insurance Co. ,
Foreclosure ,
Insurance Industry ,
Mortgage Fraud ,
Mortgages ,
Nationstar ,
Property Damage ,
RESPA ,
Sinkhole ,
Standing ,
State Farm ,
Statute of Limitations ,
TCPA ,
Title Insurance ,
Truth in Lending Act (TILA) ,
Wells Fargo