Integrity Advance, LLC and James R. Carnes

Order Denying Motion For A Stay (Filed by Acting Director Uejio, Bureau of Consumer Financial Protection)

Respondents’ Reply Brief in Support of Motion to Stay the Director’s Final Decision and Order (Filed by Respondents)

Enforcement Counsel’s Opposition to Respondents’ Motion to Stay the Director’s Final Decision and Order (Filed by Bureau of Consumer Financial Protection)

Respondents’ Motion to Stay the Director’s Final Decision and Order (Filed by Respondents)

Attachment A: Exhibit A

Final Order (Filed by Director Kraninger, Bureau of Consumer Financial Protection)

Decision of the Director (Filed by Director Kraninger, Bureau of Consumer Financial Protection)

Respondents’ Supplemental Notice Regarding Oral Argument Compilation (Filed by Respondents)

Notice of Appearance - Friedl (Filed by Bureau of Consumer Financial Protection)

Order Regarding the Timing of the Oral Argument (Filed by Director Kraninger, Bureau of Consumer Financial Protection)

Order Granting Enforcement Counsel’s Motion to Allow Two Attorneys to Argue (Filed by Director Kraninger, Bureau of Consumer Financial Protection)

Respondents’ Notice Regarding Oral Argument and Index of Exhibits (Filed by Respondents)

Attachment A: Exhibit A

Attachment B: Exhibit B

Attachment C: Exhibit C

Attachment D: Exhibit D

Attachment E: Exhibit E

Attachment F: Exhibit F

Attachment G: Exhibit G

Attachment H: Exhibit H

Attachment I: Exhibit I

Attachment J: Exhibit J

Attachment K: Exhibit K

Attachment L: Exhibit L

Attachment M: Exhibit M

Attachment N: Exhibit N

Attachment O: Exhibit O

Attachment P: Exhibit P

Attachment Q: Exhibit Q

Enforcement Counsel’s Notice of Supplemental Authority (Filed by Bureau of Consumer Financial Protection)

Attachment A: Exhibit A

Enforcement Counsel’s Reply In Support of Its Motion to Allow Two Attorneys to Argue (Filed by Bureau of Consumer Financial Protection)

Respondents’ Opposition to Enforcement Counsel’s Motion to Allow Two Attorneys to Argue (Filed by Respondents)

Enforcement Counsel’s Motion to Allow Two Attorneys to Argue (Filed by Bureau of Consumer Financial Protection)

Attachment A: Proposed Order

Order Scheduling Oral Argument (Filed by Director Kraninger, Bureau of Consumer Financial Protection)

Respondents’ Reply Brief in Support of Appeal (Filed by Respondents)

Attachment A: Exhibit A

Enforcement Counsel’s Answering Brief (Filed by Bureau of Consumer Financial Protection)

Respondents’ Opening Appeal Brief (Filed by Respondents)

Respondents’ Notice of Appeal (Filed by Respondents)

Hon. Christine L. Kirby’s Recommended Decision (Filed by Administrative Law Judge Christine L. Kirby)

Attachment A: Certified Docket Sheet

Revised Notice of Appearance for Saverio S. Romeo (Filed by Respondents)

Revised Notice of Appearance for Christen M. Tuttle (Filed by Respondents)

Revised Notice of Appearance for Michael A. Schwartz (Filed by Respondents)

Revised Notice of Appearance for Richard J. Zack (Filed by Respondents)

Order Granting Respondents’ Request for Reconsideration in Part and Denying Respondents’ Motion to Dismiss (Filed by Administrative Law Judge Christine L. Kirby)

Respondents’ Reply Brief in Support of Notice of Supplemental Authority and Request for Reconsideration (Filed by Respondents)

Enforcement Counsel’s Opposition to Respondents’ Request for Reconsideration (Filed by Bureau of Consumer Financial Protection)

Respondents’ Notice of Supplemental Authority and Request for Reconsideration (Filed by Respondents)

Attachment A: Exhibit A

Enforcement Counsel’s Reply in Support of Its Motion for Summary Disposition (Filed by Bureau of Consumer Financial Protection)

Respondents’ Reply Brief in Support of their Motion for Summary Disposition (Filed by Respondents)

Enforcement Counsel’s Response to Respondents’ Statement of Undisputed Facts in Support of Their Motion for Summary Disposition (Filed by Bureau of Consumer Financial Protection)

Enforcement Counsel’s Opposition to Respondents’ Motion for Summary Disposition (Filed by Bureau of Consumer Financial Protection)

Declaration of Richard J. Zack in Opposition to Enforcement Counsel’s Motion for Summary Disposition (Filed by Respondents)

Attachment A: Exhibit 1 to the Declaration

Respondents’ Statement of Disputed Facts in Opposition to Enforcement Counsel’s Motion for Summary Disposition (Filed by Respondents)

Respondents’ Brief in Opposition to Enforcement Counsel’s Motion for Summary Disposition (Filed by Respondents)

Enforcement Counsel’s Statement of Material Facts ISO its Motion for Summary Disposition (Filed by Bureau of Consumer Financial Protection)

Attachment A: Enforcement Counsel’s Statement of Material Facts ISO its Motion for Summary Disposition (Under Seal)

Enforcement Counsel’s Memorandum of Points and Authorities ISO its Motion for Summary Disposition (Filed by Bureau of Consumer Financial Protection)

Attachment A: Enforcement Counsel’s Memorandum of Points and Authorities ISO its Motion for Summary Disposition (Under Seal)

Enforcement Counsel’s Motion for Summary Disposition (Filed by Bureau of Consumer Financial Protection)

Declaration of Richard J. Zack ISO Respondents’ Motion for Summary Disposition (Filed by Respondents)

Attachment A: Exhibits to the Declaration

Respondents’ Statement of Undisputed Facts ISO Their Motion for Summary Disposition (Filed by Respondents)

Respondents’ Motion for Summary Disposition (Filed by Respondents)

Revised Scheduling Order Motions for Summary Disposition (Filed by Administrative Law Judge Christine L. Kirby)

Enforcement Counsel’s Unopposed Motion to Modify the Briefing Schedule (Filed by Bureau of Consumer Financial Protection)

Attachment A: Proposed Order

Order Denying in Part Respondents’ Motion to Open Record for a New Hearing (Filed by Administrative Law Judge Christine L. Kirby)

Order Denying Respondents’ Motion to Dismiss (Filed by Administrative Law Judge Christine L. Kirby)

Order Denying Respondents’ Motion to Amend Answer (Filed by Administrative Law Judge Christine L. Kirby)

Scheduling Order Motions for Summary Disposition (Filed by Administrative Law Judge Christine L. Kirby)

Respondents’ Consolidated Reply Brief in Support of their Motion to Dismiss, Motion to Amend, and Supplemental Brief in Support of Motion to Open Record for a New Hearing (Filed by Respondents)

Enforcement Counsel’s Consolidated Opposition to Respondents’ Motion to Dismiss and Respondents’ Motion to Amend Answer (Filed by Bureau of Consumer Financial Protection)

Enforcement Counsel’s Opposition to Respondents’ Motion to Open Record for New Hearing (Filed by Bureau of Consumer Financial Protection)

Order Granting in Part the ALJs Request for Additional Time to Issue the Recommended Decision (Filed by Director Kraninger, Bureau of Consumer Financial Protection)

Respondents’ Supplemental Brief in Support of their Motion to Open Record for a New Hearing (Filed by Respondents)

Respondents’ Motion to Dismiss (Filed by Respondents)

Respondents’ Motion to Amend Answer (Filed by Respondents)

Attachment A: Exhibit A

Scheduling Order for Issues in Respondents’ August 14, 2019 Motion (Filed by Administrative Law Judge Christine L. Kirby)

Order Denying Motions to Stay and Dismiss (Filed by Administrative Law Judge Christine L. Kirby)

Respondents’ Consolidated Reply Brief in Support of their Motion to Dismiss on Grounds Limited to February 7, 2020 Order and their Motion to Stay Proceedings (Filed by Respondents)

Notice of Procedural Status and Request for Additional Time to Issue Recommended Decision (Filed by Administrative Law Judge Christine L. Kirby)

Enforcement Counsel’s Consolidated Opposition to Respondents’ Motion to Dismiss and Motion to Stay Proceedings (Filed by Bureau of Consumer Financial Protection)

Attachment A: Exhibit A

Attachment B: Exhibit B

Respondents’ Motion to Dismiss on Grounds Limited to February 7, 2020 Order (Filed by Respondents)

Respondents’ Motion to Stay Proceedings (Filed by Respondents)

Scheduling Order (Filed by Administrative Law Judge Christine L. Kirby)

Joint Proposed Schedule (Filed by Bureau of Consumer Financial Protection and Respondents)

Order Denying Respondents' Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2019 Order and Denying Respondents' Request for Additional Discovery (Filed by Administrative Law Judge Christine L. Kirby)

Enforcement Counsel's Response to Respondents' Supplemental Letter Following Oral Argument on Respondents' Motion to Dismiss and/or for Summary Disposition (Filed by Bureau of Consumer Financial Protection)

Respondents' Supplemental Letter Following Oral Argument on Respondents' Motion to Dismiss and/or for Summary Disposition (Filed by Respondents)

Order Granting Oral Argument on Respondents’ Pending Motion (Filed by Administrative Law Judge Christine L. Kirby)

Respondents’ Reply Brief ISO Their Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2019 Order (Filed by Respondents)

Addendum to Respondents’ Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2109 Order (Filed by Respondents)

Enforcement Counsel’s Statement Regarding Respondents’ Statement of Undisputed Facts ISO Their Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2109 Order (Filed by Bureau of Consumer Financial Protection)

Enforcement Counsel’s Opposition to Respondents’ Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2019 Order (Filed by Bureau of Consumer Financial Protection)

Declaration of Richard J. Zack ISO Respondents’ Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2019 Order (Filed by Respondents)

Attachment A: Exhibit A (Public)

Attachment B: Exhibit B (Public)

Attachment C: Exhibit C (Public)

Attachment D: Exhibit A (Under Seal)

Attachment E: Exhibit B (Under Seal)

Attachment F: Exhibit C (Under Seal)

Respondents’ Statement of Undisputed Facts ISO Their Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2019 Order (Filed by Respondents)

Respondents' Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2019 Order - Oral Argument Requested (Filed by Respondents)

Order Denying Further Discovery on Statute of Limitations Issue (Filed by Administrative Law Judge Christine L. Kirby)

Enforcement Counsel’s Reply Brief Addressing the Completeness of the Factual Record on Respondents’ Statute-of-Limitations Defense (Filed by Bureau of Consumer Financial Protection)

Respondents’ Brief in Support of Further Discovery on the Statute of Limitations Issue (Filed by Respondents)

Enforcement Counsel’s Brief Addressing the Completeness of the Factual Record on Respondents’ Statute of Limitations Defense (Filed by Bureau of Consumer Financial Protection)

Joint Update on Fact Development Regarding Statute of Limitations Issue (Filed by Bureau of Consumer Financial Protection and Respondents)

Scheduling Order (Filed by Administrative Law Judge Christine L. Kirby)

Request for Issuance of Subpoena to CFPB (Filed by Respondents)

Attachment A: Exhibit A

Joint Statement re Fact Development of SOL Defense (Filed by Bureau of Consumer Financial Protection and Respondents)

Notice of Appearance - Romeo (Filed by Respondents)

Motion to Open Record for New Hearing (Filed by Respondents)

Attachment A: Memorandum of Law ISO Motion to Open Record for New Hearing

Attachment B: Proposed Order re Motion to Open Record for New Hearing

Joint Proposed Pre-Hearing Schedule (Filed by Bureau of Consumer Financial Protection and Respondents)

Scheduling Conference Order (Filed by AdministrativeLaw Judge Christine L. Kirby)

Joint Status Update (Filed by Bureau of Consumer Financial Protection and Respondents)

Notice of Appearance - Tuttle (Filed by Respondents)

Notice of Appearance - Schwartz (Filed by Respondents)

Notice of Appearance - Zack (Filed by Respondents)

Order Granting Extension for Status Update (Filed by Administrative Law Judge Christine L. Kirby)

Joint Statement (Filed by Bureau of Consumer Financial Protection and Respondents)

Enforcement Counsel’s Notice of Withdrawal of Appearances (Filed by Bureau of Consumer Financial Protection)

Notice of Appearance - Jacques (Filed by Bureauof Consumer Financial Protection)

Notice of Appearance - Clark (Filed by Bureau of Consumer Financial Protection)

Order Directing Parties to Identify Issues for Remand Hearing (Filed by Administrative Law Judge Christine L. Kirby)

Order Directing a Remand to the Bureau’s Administrative Law Judge (Filed by Director Kraninger, Bureau of Consumer Financial Protection)

Enforcement Counsel’s Brief Responding to Acting Director’s Order (Filed by Bureau of Consumer Financial Protection)

Respondents’ Opening Brief Responding to ActingDirector’s Order (Filed by Respondents)

Order Directing Parties to Provide Additional Briefing (Filed by Acting Director Mulvaney, Bureau of Consumer Financial Protection)

Joint Statement of the Parties (Filed by BCFP and Respondents)

Order Directing Parties to Respond (Filed by Acting Director Mulvaney, Bureau of Consumer Financial Protection)

Order Directing OAA to Maintain Current Status and Cautioning Prohibition on Ex Parte Communications Remain (Filed by Acting Director Mulvaney, Consumer Financial Protection Bureau)

Enforcement Counsel’s Notice of Ex Parte Communication (Filed by Consumer Financial Protection Bureau)

Attachment A: Exhibit A - Ex Parte Letter

Order Directing OAA to Withdraw Notice (Filed by Director Cordray, Consumer Financial Protection Bureau)

Change of Address Notice (Filed by Respondents)

Respondents’ Response to Director’s Order Directing Parties to Respond (Filed by Respondents)

Enforcement Counsel’s Objection to Withdrawal of the Notice (Filed by Consumer Financial Protection Bureau)

Order Directing Parties to Respond (Filed by Director Cordray, Consumer Financial Protection Bureau)

Respondents’ Post-Oral Argument Supplemental Brief (Filed by Respondents)

Enforcement Counsel’s Supplemental Brief (Filed by Consumer Financial Protection Bureau)

Joint March 16, 2015, Tolling Agreement (Filed by CFPB and Respondents)

Joint June 2, 2014, Tolling Agreement (Filed by CFPB and Respondents)

Order Granting Respondents’ Request to Submit Supplemental Briefing (Filed by Director Cordray, Consumer Financial Protection Bureau)

Respondents’ Request to Submit Supplemental Briefing (Filed by Respondents)

Attachment A: Proposed Order

Respondents’ Notice of Supplemental Authority (Filed by Respondents)

Attachment A: Exhibit A (Bandimere v. SEC)

Respondents Letter to A. Wheeler (Filed by Respondents)

Order Granting Enforcement Counsel’s Unopposed Motion to Allow Two Attorneys to Argue (Filed by Director Cordray, Consumer Financial Protection Bureau)

Enforcement Counsel’s Unopposed Motion to Allow Two Attorneys to Argue (Filed by Consumer Financial Protection Bureau)

Attachment A: Proposed Order

Order Scheduling Oral Argument (Filed by Director Cordray, Consumer Financial Protection Bureau)

Respondents’ Reply Brief (Filed by Respondents)

Enforcement Counsel’s Reply Brief (Filed by Consumer Financial Protection Bureau)

Order Granting Respondents’ Motion for Leave to Exceed Page Limit for Respondents’ Reply Brief (Filed by Director Cordray, Consumer Financial Protection Bureau)

Frechette Declaration (Filed by Respondents)

Attachment A: Exhibit A

Attachment B: Exhibit B

Respondents’ Answering Appeal Brief (Filed by Respondents)

Wheeler Declaration (Filed by Consumer Financial Protection Bureau)

Enforcement Counsel’s Answering Brief (Filed by Consumer Financial Protection Bureau)

Respondents’ Motion for Leave to Exceed Page Limit (Filed by Respondents)

Attachment A: Proposed Order

Respondents’ Opening Appeal Brief (Filed by Respondents)

Enforcement Counsel’s Opening Appeal Brief (Filed by Consumer Financial Protection Bureau)

Order Denying Respondents’ Motion forReconsideration (Filed by Director Cordray, Consumer Financial Protection Bureau)

Respondents' Motion for Reconsideration of Director’s Denial of Motion to Stay Appeal and Remand to Hearing Officer (Filed by Respondents)

Attachment A: Proposed Order

Order Denying Respondents’ Motion to Stay Appeal and Remand to Hearing Officer (Filed by Director Cordray, Consumer Financial Protection Bureau)

Respondents’ Motion to Stay Appeal and Remand to Hearing Officer (Filed by Respondents)

Attachment A: Proposed Order

Notice of Appeal (Filed by Consumer Financial Protection Bureau)

Notice of Appeal (Public) (Filed by Respondents)

Recommended Decision (Public) (Filed by Administrative Law Judge Parlen L. McKenna)

Attachment A: Recommended Decision (Sealed)

Order Granting Respondents’ Motion to Strike Bureau’s Response to Respondents’ Proposed Findings of Fact (Filed by Administrative Law JudgeParlen L. McKenna)

Reporter’s Official Transcript of Proceedings Hearings Volume III (Public) (Filed by Administrative Law Judge Parlen L. McKenna)

Reporter’s Official Transcript of Proceedings Hearings Volume II (Public) (Filed by Administrative Law Judge Parlen L. McKenna)

Reporter’s Official Transcript of Proceedings Hearings Volume I (Public) (Filed by Administrative Law Judge Parlen L. McKenna)

Respondents’ Motion to Strike Enforcement Counsel’s Response to Respondents’ Proposed Findings of Fact (Filed by Respondents)

Respondents’ Opposition to Enforcement Counsel’s Post-Hearing Brief (Filed by Respondents)

Enforcement Counsel’s Response to Respondents’ Proposed Findings of Fact (Filed by ConsumerFinancial Protection Bureau)

Enforcement Counsel’s Post-Hearing Responsive Brief (Filed by Consumer Financial Protection Bureau)

Respondents’ Proposed Order (Filed by Respondents)

Respondents’ Proposed Conclusions of Law (Filed by Respondents)

Respondents’ Proposed Findings of Fact (Filed by Respondents)

Respondents’ Post-Hearing Brief (Filed by Respondents)

Enforcement Counsel’s Proposed Findings of Fact, Conclusions of Law and Order (Public) (Filed by Consumer Financial Protection Bureau)

Attachment A: Enforcement Counsel’s Proposed Findings of Fact, Conclusions of Law and Order (Under Seal)

Attachment B: Declaration of Robert J. Hughes

Enforcement Counsel’s Post Hearing Brief (Public) (Filed by Consumer Financial Protection Bureau)

Attachment A: Enforcement Counsel’s Post Hearing Brief (Under Seal)

Order Granting in Part and Denying in Part Respondents’ Motion to Strike Testimony (Filed by Administrative Law JudgeParlen L. McKenna)

Respondents’ Reply in Support of Motion to Strike Testimony of Joseph Baressi (Filed by Respondents)

Order Directing Portions of the Transcript Sealed and Denying Request to Seal Portions (Filed by Administrative Law Judge Parlen L. McKenna)

Enforcement Counsel’s Opposition to Respondents’ Motion to Strike Testimony of Joseph Baressi (Filed by Consumer Financial ProtectionBureau)

Order Granting ALJ’s Request for Extension of Time to Issue Recommended Decision (Filed by Director Cordray, Consumer Financial ProtectionBureau)

Order Granting Enforcement Counsel’s Notice of Proposed Remedy to Cure Prejudice (Filed by Administrative Law JudgeParlen L. McKenna)

Respondents’ Response to Enforcement Counsel’s Submission of the July 29, 2016 Declaration of Robert J Hughes (Filed by Respondents)

Request for Additional Time to Issue Recommended Decision (Filed by Administrative Law Judge Parlen L. McKenna)

Respondents’ Motion to Strike Testimony of Joseph Baressi (Filed by Respondents)

Attachment A: Proposed Order

Reporter’s Official Transcript of ProceedingsHearings Volume III (Under Seal) (Filed by Administrative Law Judge Parlen L. McKenna)

Reporter’s Official Transcript of ProceedingsHearings Volume II (Under Seal) (Filed by Administrative Law Judge Parlen L. McKenna)

Reporter’s Official Transcript of ProceedingsHearings Volume I (Under Seal) (Filed by Administrative Law Judge Parlen L. McKenna)

Order Scheduling Post-Hearing Submissions (Filed by Administrative Law Judge Parlen L. McKenna)

Respondents’ Response to EC’s Notice of Proposed Remedy to Cure Prejudice (Filed by Respondents)

Enforcement Counsel’s Notice of Proposed Remedy to Cure Prejudice (Filed by Consumer Financial Protection Bureau)

Prehearing Order Concerning The Status of Remaining Issues and All Exhibits (Filed by Administrative Law Judge Parlen L. McKenna)

Order Granting In Part and Denying In Part Motion to Quash Subpoena (Filed by Administrative Law Judge Parlen L. McKenna)

Respondents’ Amended Disclosure of Exhibits (Filed by Respondents)

Attachment A: Respondents’ Amended Exhibit List

Enforcement Counsel’s Opposition to Motion to Quash Subpoena of Edward N. Foster (Filed by Consumer Financial Protection Bureau)

Attachment A: Wheeler Declaration

Attachment B: Exhibit A (Under Seal)

Attachment C: Exhibit A (Public)

Attachment D: Exhibit B

Attachment E: Exhibit C

Attachment F: Exhibit D

Attachment G: Exhibit E

Non-Party Edward N. Foster's Motion to Quash Subpoena (Filed by Non-Party Edward N. Foster)

Attachment A: Memorandum in Support of Non-Party Edward N. Foster'sMotion to Quash Subpoena

Attachment B: Proposed Order

Order Granting Enforcement Counsel's Motion in Limine to Preclude Evidence Disputing Issues Decided and Facts Established at Summary Disposition (Filed by Administrative Law Judge Parlen L. McKenna)

Order Granting In Part and Denying In Part Enforcement Counsel's Objections to Respondents' Proposed Exhibits and Witnesses (Filed by Administrative Law Judge Parlen L. McKenna)

Order Granting In Part and Denying In Part Respondents' Omnibus Motion in Limine and Rulings on Respondents' Objections to the Bureau's Evidence (Filed by Administrative Law Judge Parlen L. McKenna)

Respondents' Amended Disclosure of Witnesses (Filed by Respondents)

Granted Subpoena Re E Quinn Miller for Respondents (Under Seal) (Filed by Administrative Law Judge Parlen L. McKenna)

Enforcement Counsel’s Opposition to Respondents’Omnibus Motion In Limine to Exclude Evidence (Filed by ConsumerFinancial Protection Bureau)

Respondents’ Prehearing Statement (Filed by Respondents)

Enforcement Counsel’s Prehearing Statement (Filed by Consumer Financial Protection Bureau)

Order Granting Enforcement Counsel’s StipulatedMotion to Withdraw Count IV with Prejudice (Filed by Administrative Law JudgeParlen L. McKenna)

Respondents’ Omnibus Motionin Limine to Exclude Evidence (Filed by Respondents)

Attachment A: Proposed Order

Respondents’ Objections to Enforcement Counsel’sExhibit List (Filed by Respondents)

Respondents’ Opposition to Enforcement Counsel’sMotion in Limine (Filed by Respondents)

Enforcement Counsel’s Objections to Respondents’Proposed Exhibits and Witnesses (Filed by Consumer Financial ProtectionBureau)

Enforcement Counsel’s Notice of Withdrawal ofMotion to Withdraw Count IV (Filed by Consumer Financial Protection Bureau)

Stipulated Motion to Withdraw Count IV withPrejudice (Filed by Consumer Financial Protection Bureau)

Enforcement Counsel’s Motion to Preclude Evidence Disputing Issues and Facts Decided at MSD (Filed by Consumer Financial Protection Bureau)

Attachment A: Brief in Support of Motion to Preclude

Attachment B: Wheeler Declaration

Attachment C: Exhibit A to Wheeler Declaration

Attachment D: Proposed Order

Motion to Withdraw Count IV (Filed by Consumer Financial Protection Bureau)

Joint Stipulation Regarding Exhibits to WhichNeither Party Objects (Filed by Consumer Financial Protection Bureau)

Granting of CFPB’s SubpoenaRequests of Witness Testimony (Filed by Administrative Law Judge Parlen L. McKenna)

Attachment A: CFPB’s Subpoena Requests of Witness Testimony (Under Seal)

Granting of Respondents’ Subpoena request of Chris Carson (Filed by Administrative Law Judge Parlen L. McKenna)

Respondents’ Request for Subpoena of E. Quinn Miller (Filed by Respondents)

Attachment A: Exhibit A(Proposed) Subpoena of E. Quinn Miller

Respondents’ Request forSubpoena of Chris Carson (Filed by Respondents)

Attachment A: ProposedSubpoena of Chris Carson

Respondents’ Disclosure of Witnesses (Filed by Respondents)

Respondents’ Disclosure of Exhibits (Filed by Respondents)

Attachment A: Attachment A

Enforcement Counsel’s Request for Issuance of Subpoena for Witness Testimony (Filed by Consumer Financial ProtectionBureau)

Attachment A: Enforcement Counsel’s Request for Issuance of Subpoena for Witness Testimony (Under Seal)

Attachment B: Subpoena – Andonian (Under Seal)

Attachment C: Subpoena – Carnes (Under Seal)

Attachment D: Subpoena – Foster (Under Seal)

Attachment E: Subpoena – Kirk (Under Seal)

Attachment F: Subpoena – Madsen (Under Seal)

Attachment G: Subpoena –Miller (Under Seal)

Enforcement Counsel’s Exhibit List (Filed by Consumer Financial Protection Bureau)

Attachment A: Attachment A

Enforcement Counsel’s Witness List – Public (Filed by Consumer FinancialProtection Bureau)

Enforcement Counsel’s Witness List (Under seal) (Filed by Consumer Financial Protection Bureau)

Revised Hearing Scheduling Order (Filed by Administrative Law Judge Parlen L. McKenna)

Order Denying Respondents’ Motion in Limine (Filed by Administrative Law Judge Parlen L. McKenna)

Order Granting In Part and Denying In Part Bureau’s Motion for Summary Disposition and Denying Respondents’ Motion for Summary Disposition (Filed by Administrative Law Judge Parlen L. McKenna)

Notice of Appearance of Danielle R. Foley (Filed by Respondents)

Respondents’ Reply Brief in Support of Motion In Limine to Preclude Expert Testimony of Dr. Manoj Hastak (Filed by Respondents)

Enforcement Counsel’s Opposition to Respondents’ Motion In Limine to Preclude Expert Testimony of Dr. Manoj Hastak (Filed by Consumer Financial Protection Bureau)

Attachment A: Exhibit 1

Order Revising Dates for Prehearing Submission (Filed by Administrative Law Judge Parlen L. McKenna)

Respondents’ Motion InLimine to Preclude Expert Testimony of Dr. Manoj Hastak (Filed by Respondents)

Attachment A: Brief in Support of Motion

Attachment B: ProposedOrder

Respondents’ Reply in Support of Their Motion forSummary Disposition (Filed by Respondents)

Enforcement Counsel’s Replyin Support of Its Motion for Summary Disposition (Filed by Consumer Financial Protection Bureau)

Attachment A: Exhibits A and B

Notice of Appearance of Andrew T. Hernacki (Filed by Respondents)

Respondents’ Statement of Disputed Facts in Support of Their Opposition to Enforcement Counsel’s Motion for Summary Disposition (Filed by Respondents)

Attachment A: Declaration of Peter S. Frechette

Attachment B: Exhibit 1 – Part 1

Attachment B: Exhibit 1 – Part 2

Attachment C: Exhibit 2

Respondents’ Opposition to Enforcement Counsel’sMotion for Summary Disposition (Filed by Respondents)

Enforcement Counsel’s Response to Respondents’ Statement of Undisputed Facts in Support of Motion for Summary Disposition (Filed by Consumer Financial Protection Bureau)

Attachment A: Exhibit 1 – 14 (Under Seal)

Attachment B: Exhibit 1 – 14 (Public)

Enforcement Counsel’s Opposition to Respondents’ Motion for Summary Disposition (Filed by Consumer Financial Protection Bureau)

Order Denying Respondents’ Motion for Leave to FileAn Amended Answer (Filed by Administrative Law Judge Parlen L. McKenna)

Order Denying Respondents’ Motion to StayProceedings (Filed by Administrative Law Judge Parlen L. McKenna)

Respondents’ Reply in Support of Its Motion to Stay (Filed by Respondents)

Respondents’ Reply in Support of Their Motion forLeave to File an Amended Answer (Filed by Respondents)

Enforcement Counsel’s Opposition to Respondents’Motion to Stay (Filed by Consumer Financial Protection Bureau)

Enforcement Counsel’s Opposition to Respondents’Motion for Leave to File an Amended Answer (Filed by Consumer Financial ProtectionBureau)

Certificate of Service (Filed by Respondents)

Declaration of Hillary S.Profita (Filed by Respondents)

Attachment A: Exhibitsto Profita Declaration

Respondents’ Statement of Undisputed Facts inSupport of their Motion for Summary Disposition (Filed by Respondents)

Respondents’ Motion for Summary Disposition andBrief in Support (Filed by Respondents)

Enforcement Counsel’s Statement of Material Facts in Support ofits Motion for Summary Disposition As To Liability (Filed by Consumer Financial ProtectionBureau)

Attachment A: Exhibit 1 – 34 (Under Seal)

Attachment B: Exhibit 1 – 2 (Public)

Attachment C: Exhibit 3 – Part 1 (Public)

Attachment C: Exhibit 3 – Part 2 (Public)

Attachment D: Exhibit 4 – 8 (Public)

Attachment E: Exhibit 9 – 33 (Public)

Attachment F: Exhibit 34 (Public)

Enforcement Counsel’s Memo ofPoints and Authorities in Support of its Motion for Summary Disposition As ToLiability (Filed by Consumer Financial Protection Bureau)

Attachment A: Exhibit A– Hastak Report

Attachment B: Exhibit B– Declaration of John Marlow (Under Seal)

Attachment C: Exhibit B– Declaration of John Marlow (Public)

Attachment D: Exhibit C– Declaration of Robert J. Hughes

Attachment E: Exhibit D – Deposition of Dr. Nathan Novemsky

Enforcement Counsel’s Motion for SummaryDisposition As To Liability (Filed by Consumer Financial Protection Bureau)

Enforcement Counsel’s Notice of Withdrawal ofMotion to Compel Subpoenaed Data (Filed by Consumer Financial ProtectionBureau)

Enforcement Counsel’s Motion to Compel Production of Subpoenaed Data (Filed by Consumer Financial Protection Bureau)

Attachment A: Declaration of Vivian W. Chum

Attachment B: Proposed Order

Respondents’ Motion for Leaveto File an Amended Answer and Memorandum in Support (Filed by Respondents)

Attachment A: Proposed Order

Attachment B: Respondents’ Amended Answer

Respondents’ Motion to StayProceedings Pending Resolution of Related Case on Appeal (Filed by Respondents)

Attachment A: Proposed Order

Order Denying CFPB’s Motion to Strike Portions ofRespondents’ Rebuttal Expert Report (Filed by Administrative Law JudgeParlen L. McKenna)

Supplement to March 3, 2016 Order ModifyingScheduling Order (Filed by Administrative Law Judge Parlen L. McKenna)

Order Granting Respondents’ Unopposed Motion forExtension of Time (Filed by Administrative Law Judge Parlen L. McKenna)

Respondents’ Unopposed Motionfor Extension of Time to File Motions for Summary Disposition (Filed by Respondents)

Attachment A: Proposed Order

Order Denying Respondents’ Motion to Strike andDenying the CFPB’s Motion to File a Sur-Reply (Filed by Administrative Law JudgeParlen L. McKenna)

Order Denying Respondents’ Motion For Leave toAmend Controverted Issues of Fact (Filed by Administrative Law JudgeParlen L. McKenna)

Order Denying Motion to Dismiss (Filed by Administrative Law JudgeParlen L. McKenna)

EnforcementCounsel’s Reply in Support of its Motion to Strike Portions of Respondents’Expert Report (Filed by Consumer Financial Protection Bureau)

Attachment A: Exhibit A

Respondents’ Response to Bureau’s Notice of Supplemental Authority (Filed by Respondents)

Certificate of Service (Filed by Respondents)

Respondents’ Opposition to Bureau’s Motion to Strike Portions of Respondents’ Rebuttal Expert Report (Filed by Respondents)

Attachment A: Exhibit A

Attachment B: Exhibit B

Attachment C: Exhibit C

Respondents’ Response in Opposition to Enforcement Counsel’s Motion for Leave to File Sur-reply on Respondents’ Motion to Strike (Filed by Respondents)

Enforcement Counsel’s Motion for Leave to File Sur-reply on Respondents’ Motion to Strike (Filed by Consumer Financial Protection Bureau)

Notice of Supplemental Authority (Filed by Consumer Financial Protection Bureau)

Attachment A: Exhibit A - Opinion of the U.S. Court of Appeals for the Ninth Circuit

Respondents’ Reply in Support of Its Motion for Leave to Amend List of Controverted Issues of Fact (Filed by Respondents)

Respondents’ Reply in Support of Its Motion to Strike Enforcement Counsel’s Controverted Issues of Fact and Justification for its Rejected Proposed Stipulations (Filed by Respondents)

Enforcement Counsel’s Opposition to Respondents’ Motion to Amend Their Controverted Issues of Fact (Filed by Consumer Financial Protection Bureau)

Enforcement Counsel’s Opposition to Respondents’ Motion to Strike Enforcement Counsel’s Controverted Issues of Fact and Justification for its Rejected Proposed Stipulations (Filed by Consumer Financial Protection Bureau)

Enforcement Counsel’s Motion to Strike Portions of Respondents’ Rebuttal Expert Report (Filed by Consumer Financial Protection Bureau)

Attachment A: Exhibit A

Attachment B: Exhibit B

Order Directing Pleading to be Temporarily Sealed Pending a Ruling on Respondents’ Motion for Leave to Amend (Filed by Administrative Law Judge Parlen L. McKenna)

Respondents Motion to Strike Enforcement Counsel’s Controverted Issues of Fact and Justification for its Rejected Proposed Stipulations (Filed by Respondents)

Proposed Order Granting Respondents Motion for Leave to Amend (Filed by Respondents)

Respondents’ Motion for Leave to Amend Respondents’ List of Controverted Issues of Fact (Filed by Respondents)

Attachment A: (Sealed) Respondents’ List of Controverted Issues of Fact

Attachment B: (Redacted) Respondents’ List of Controverted Issues of Fact

(Sealed) Enforcement Counsel Controverted Issues of Fact and Justification for its Rejected Proposed Stipulations (Filed by Consumer Financial Protection Bureau)

Attachment A: (Sealed) Exhibit A

Attachment B: (Sealed) Exhibit B

Attachment C: (Sealed) Exhibits

Attachment D: (Redacted) Enforcement Counsel Controverted Issues of Fact and Justification for its Rejected Proposed Stipulations

Attachment E: (Redacted) Exhibit A

Attachment F: (Redacted) Exhibit B

Attachment G: (Redacted) Exhibits

Respondents’ List of Controverted Issues of Fact (Filed by Respondents)

Parties’ Joint Stipulations of Fact (Filed by Consumer Financial Protection Bureau and Respondents)

Attachment A: Exhibit A

Attachment B: Exhibit B

Order Granting In Part Respondent’s Request for Extension of Time to Comply with Subpoena (Filed by Administrative Law Judge Parlen L. McKenna)

Declaration of Alusheyi J. Wheeler (Filed by Consumer Financial Protection Bureau)

Attachment A: Exhibit A to the Declaration

Attachment B: Exhibit B to the Declaration

Attachment C: Exhibit C to the Declaration

Enforcement Counsel’s Opposition to Respondents’ Motion for An Extension of Time (Filed by Consumer Financial Protection Bureau)

Notice of Appearance of Christine E. White (Filed by Respondents)

Respondents Motion for Extension of Time to Respond to Bureau’s Subpoena (Filed by Respondents)

Attachment A: Proposed Order

Order Setting Parameters for Oral Argument (Filed by Administrative Law Judge Parlen L. McKenna)

Order Directing Parties to Meet and Confer for the Purpose of Entering into Joint Stipulations of Fact (Filed by Administrative Law Judge Parlen L. McKenna)

Order Modifying Scheduling Order (Filed by Administrative Law Judge Parlen L. McKenna)

Notice of Appearance (Baker) (Filed by Respondents)

Respondents’ Motion for Modification of the Scheduling Order / Extension of Time (Filed by Respondents)

Attachment A: Proposed Order

Order Confirming Location for Oral Argument (Filed by Administrative Law Judge Parlen L. McKenna)

Order Confirming Date for Oral Argument on Respondents’ Motion (Filed by Administrative Law Judge Parlen L. McKenna)

Order Granting Oral Argument on Respondents’ Pending Motion (Filed by Administrative Law Judge Parlen L. McKenna)

Subpoena for Documents (Filed by Administrative Law Judge Parlen L. McKenna)

Attachment A: Attachment A

Order Granting Bureau’s Request for Issuance of Subpoena (Filed by Administrative Law Judge Parlen L. McKenna)

Addendum to Respondents’ Feb. 16, 2016, Reply (Filed by Respondents)

Respondents’ Reply to the Bureau’s Response to Feb. 8, 2016, Order (Filed by Respondents)

Bureau’s Response to Order Requiring Additional Information (Filed by Consumer Financial Protection Bureau)

Order Requiring the Bureau to Submit Additional Information (Filed by Administrative Law Judge Parlen L. McKenna)

Respondents’ Objection to Subpoena Request (Filed by Respondents)

Bureau’s Request for Issuance of Subpoena (Filed by Consumer Financial Protection Bureau)

Attachment A: Proposed Order Granting Request for Issuance of Subpoena

Respondent’s reply Brief in Support of Motion to Dismiss (Filed by Respondents)

Bureau’s Opposition to Respondents’ Motion to Dismiss (Filed by Consumer Financial Protection Bureau)

Order Granting in Part and Denying in Part Respondents’ Motion for Production of Witness Statements (Filed by Administrative Law Judge Parlen L. McKenna)

Order Granting Joint Stipulated Motion for a Protective Order (Filed by Administrative Law Judge Parlen L. McKenna)

Respondent’s reply to Bureau’s response to the motion for the production of witness statements (Filed by Respondents)

Attachment A: Proposed order granting motion for the production of witness statement

Joint Stipulated Motion for a Protective Order (Filed by Consumer Financial Protection Bureau and Respondents)

Attachment A: Proposed Stipulated Protective Order

Respondent’s Motion to Dismiss Notice of Charges (Filed by Respondents)

Attachment A: Brief in Support of Motion to Dismiss Notice of Charges

Order Following Scheduling Conference (Filed by Administrative Law Judge Parlen L. McKenna)

Bureau’s response to Respondent’s Motion for Witness Statements (Filed by Consumer Financial Protection Bureau)

Production of Witness Statements (Filed by Respondents)

Attachment A: Proposed Order

Respondent’s Motion for a Proposed Scheduling Order (Filed by Respondents)

Attachment A: Proposed Order

Bureau’s Motion for a Proposed Scheduling Order (Filed by Consumer Financial Protection Bureau)

Attachment A: Proposed Order

Disclosure Statement and Notification of Financial Interest (Filed by Respondents)

Answer and Affirmative Defenses to Notice of Charges (Filed by Respondents)

Notice of Appearance (Boyd) (Filed by Respondents)

“Scheduling Conference” on 12/14/2015 (Filed by Administrative Law Judge Parlen L. McKenna)

Protective Order (Filed by Administrative Law Judge Parlen L. McKenna)

Respondent’s Unopposed Motion for Protective Order (Filed by Respondents)

Attachment A: (Sealed) Certificate of Service for Notice of Charges

Attachment B: (Redacted) Certificate of Service for Notice of Charges

Attachment C: Proposed Protective Order

Order Granting Motion of Extension of Time (Filed by Administrative Law Judge Parlen L. McKenna)

Respondent’s Motion for Extension of Time (Filed by Respondents)

Attachment A: Proposed Order

Certificate of Service (Filed by Respondents)

Notice of Appearance (Profita) (Filed by Respondents)

Consent to Service by Electronic Transmission (Filed by Respondents)

Notice of Appearance (Baker) (Filed by Respondents)

Notice of Appearance (Frechette) (Filed by Respondents)

Certificate of Service of Notice of Charges (Redacted) (Filed by Consumer Financial Protection Bureau)

Notice of ALJ Assignment (Filed by Consumer Financial Protection Bureau)

Consent to Service by Electronic Transmission (Filed by Consumer Financial Protection Bureau)

Notice of Appearance (Morris) (Filed by Consumer Financial Protection Bureau)

Notice of Appearance (Weinberg) (Filed by Consumer Financial Protection Bureau)

Notice of Appearance (Chum) (Filed by Consumer Financial Protection Bureau)

Notice of Appearance (Cowie) (Filed by Consumer Financial Protection Bureau)

Notice of Appearance (Wheeler) (Filed by Consumer Financial Protection Bureau)

Notice of Charges (Filed by Consumer Financial Protection Bureau)