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Filed briefs

Amicus briefs filed by the CFPB are available on this page, including amicus briefs concerning federal consumer financial protection law filed in the U.S. Supreme Court by the Office of the Solicitor General.  

Use the filters below to browse by date, statute, and the court in which the brief was filed.

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Federal Circuit Court
Date filed

Glover and Booze v. Ocwen Loan Servicing, LLC

The Bureau and the Federal Trade Commission filed an amicus brief with the U.S. Court of Appeals for the Eleventh Circuit arguing that the Fair Debt Collection Practices Act prohibits debt collectors from collecting pay-to-pay or “convenience” fees—fees imposed for making a payment online or by phone—unless the agreement creating the debt expressly authorizes such fees, or a law affirmatively authorizes them.
Federal Circuit Court
Date filed

Ritz v. Nissan-Infiniti LT

The Bureau and the Federal Trade Commission filed an amicus brief with the U.S. Court of Appeals for the Third Circuit, arguing that the Fair Credit Reporting Act requires an entity that furnishes credit information to a consumer reporting agency (CRA) to perform a reasonable investigation when a consumer disputes the accuracy of information furnished to the CRA, even if the dispute could be characterized as a legal, rather than factual, dispute.
Federal Circuit Court
Date filed

Carrasquillo v. CICA Collection Agency

The Bureau filed an amicus brief with the U.S. Court of Appeals for the First Circuit arguing that the Fair Debt Collection Practices Act’s prohibition on false, deceptive, or misleading representations is not limited to intentional or knowing misrepresentations and that the Bankruptcy Code does not bar FDCPA claims based on bankruptcy-related misrepresentations.
Federal Circuit Court
Date filed

Roberts v. Carter-Young, Inc.

The Bureau and the Federal Trade Commission filed an amicus brief with the U.S. Court of Appeals for the Fourth Circuit arguing that the Fair Credit Reporting Act requires an entity that furnishes credit information to a consumer reporting agency (CRA) to perform a reasonable investigation when a consumer disputes the accuracy of information furnished to the CRA, even if the dispute could be characterized as a legal, rather than factual, dispute.
State Court
Date filed

Franklin Savings Bank v. Bordick

The Bureau and the State of Maine filed an amicus brief with the Maine Supreme Judicial Court addressing the scope of the Truth in Lending Act (TILA), which generally applies to consumer-purpose loans. The brief argues that determining whether a loan has a covered purpose requires assessing the transaction as a whole and that language in the loan documents describing the loan’s purpose does not control that inquiry.
Federal Circuit Court
Date filed

Belair v. Holiday Inn Club Vacations Inc.

The Bureau filed an amicus brief with the U.S. Court of Appeals for the Eleventh Circuit arguing that the Fair Credit Reporting Act requires an entity that furnishes credit information to a consumer reporting agency (CRA) to perform a reasonable investigation when a consumer disputes the accuracy of information furnished to the CRA, even if the dispute could be characterized as a legal, rather than factual, dispute.
Federal District Court
Date filed

Connolly & Mott v. Lanham et al.

The CFPB and DOJ filed a joint Statement of Interest in the U.S. District Court for the District of Maryland explaining that mortgage lenders violate the Equal Credit Opportunity Act if they rely on an appraisal that they knew, or should have known, was discriminatory when assessing the creditworthiness of an applicant.
Federal Circuit Court
Date filed

Holden v. Holiday Inn Club Vacations Inc. and Mayer v. Holiday Inn Club Vacations Inc.

The Bureau and the Federal Trade Commission filed an amicus brief with the U.S. Court of Appeals for the Eleventh Circuit, in two related cases, arguing that the Fair Credit Reporting Act requires an entity that furnishes credit information to a consumer reporting agency (CRA) to perform a reasonable investigation when a consumer disputes the accuracy of information furnished to the CRA, even if the dispute could be characterized as a legal, rather than factual, dispute.
Federal Circuit Court
Date filed

Lyons v. PNC Bank, N.A.

The Bureau filed an amicus brief with the U.S. Court of Appeals for the Fourth Circuit arguing that a Truth in Lending Act protection that prohibits banks from taking money from a borrower’s checking or savings account to cover amounts the consumer owes on certain types of debts covers home-equity lines of credit linked to a credit card.
Federal Circuit Court
Date filed

Louis v. Bluegreen Vacations Unlimited, Inc.

The Bureau, joined by the Federal Trade Commission, filed an amicus brief with the U.S. Court of Appeals for the Eleventh Circuit arguing that an American servicemember and his wife who took out a loan to purchase a timeshare have Article III standing to challenge the legality of the loan under the Military Lending Act.
Federal Circuit Court
Date filed

Ingram v. Waypoint Resource Group, LLC

The Bureau, joined by the Federal Trade Commission, filed an amicus brief with the U.S. Court of Appeals for the Third Circuit arguing that when a consumer reporting agency forwards a consumer’s dispute to the company that furnished the disputed information, the furnisher is required to conduct an investigation. There is no exception to this requirement for disputes that are frivolous or lack adequate support.
Federal Circuit Court
Date filed

Sessa v. Trans Union, LLC

The Bureau, joined by the Federal Trade Commission, filed an amicus brief with the U.S. Court of Appeals for the Second Circuit arguing that (1) the Fair Credit Reporting Act (FCRA) requires credit reporting agencies to follow reasonable procedures to ensure that consumer reports are both legally and factually accurate, (2) a credit reporting agency’s reliance on information provided by a furnisher does not absolve it of potential liability under this provision of the FCRA.
Federal Circuit Court
Date filed

Milgram v. JPMorgan Chase

The Bureau filed an amicus brief with the U.S. Court of Appeals for the Eleventh Circuit arguing that (1) the Fair Credit Reporting Act requires furnishers to conduct reasonable investigations of both legal and factual questions posted in consumer disputes, and (2) each time a furnisher fails to reasonably investigate a dispute results in a new statutory violation, with its own statute of limitations.
Federal Circuit Court
Date filed

Henderson v. The Source for Public Data, L.P., et al

The Bureau, the Federal Trade Commission, and the North Carolina Department of Justice jointly filed an amicus brief with the U.S. Court of Appeals for the Fourth Circuit arguing that Section 230 of the Communications Decency Act does not bar a private plaintiff's claims under the Fair Credit Reporting Act.
Federal Circuit Court
Date filed

Gross v. CitiMortgage

The Bureau filed an amicus brief arguing that the Fair Credit Reporting Act does not exempt “legal disputes” from its requirement that furnishers of information to consumer reporting agencies must reasonably investigate disputes about information they furnished.