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.
The CFPB is responsible for implementing many federal laws that relate to consumer finance. Courts sometimes apply those same laws to resolve disputes between private parties. In some cases, we believe a court would benefit from hearing our views on what the law says.
The amicus program is how we share our views with to the court. (“Amicus” is shorthand for “Amicus curiae”, Latin for “friend of the court.”) Our amicus briefs provide the courts with the CFPB’s views on significant consumer financial protection issues and help ensure that consumer financial protection statutes and regulations are correctly and consistently interpreted.
Recently filed amicus briefs
The government filed a brief with the Supreme Court in TransUnion v. Ramirez, arguing that a plaintiff class had Article III standing to sue under the Fair Credit Reporting Act where the defendant produced consumer reports that erroneously designated the class members as individuals who are legally barred from transacting business in the United States.
The Bureau filed an amicus brief with the U.S. Court of Appeals for the Third Circuit arguing that a debt collector does not violate the Fair Debt Collection Practices Act when it accurately states in an itemization of a consumer’s debt that $0.00 in interest and collection fees have been applied to the debt.
The Bureau and the FTC jointly filed an amicus brief arguing that the “applicants” protected by the Equal Credit Opportunity Act and its implementing rule include those who have received credit.
The Bureau filed an amicus brief with the U.S. Court of Appeals for the Seventh Circuit arguing that a debt collector does not violate the Fair Debt Collection Practices Act when it accurately itemizes the interest and fees that are included in a consumer’s debt.
Suggest a case
We welcome your suggestions of cases that might make good candidates for the amicus program. We strongly recommend that you read our FAQs before submitting your request, especially if you are not an attorney.