A plaintiff had Article III standing to bring a Truth in Lending Act (“TILA”) claim against a home improvement financer, based on a theory that a heating and air conditioning contractor company acted as agent for the financer. Walters v. Fast AC, Ltd. Liab. Co., 60 F.4th 642 (11th Cir. 2023) Gary Walters, a 70-year-old…
Single Unwanted Text Enough For TCPA Standing
In an unusual showing of unanimity, the full Eleventh Circuit held that a single unwanted text is enough to confer Article III standing to assert a claim under the Telephone Consumer Protection Act. Drazen v. Pinto, 2023 WL 4699939 (July 24, 2023). The original panel opinion, vacated by the grant of rehearing en banc, arose…
Divided Panel Holds that Insurer’s Total-Loss Settlement Complied with Florida Law
After Gina Signor’s Lexus was damaged in an accident Safeco declared the vehicle a total loss under her automobile insurance policy. Under the policy, Signor was due the “actual cash value,” or “ACV,” of the vehicle. To determine the ACV, Safeco used the Certified Collateral Corporation ONE Market Valuation System, also known as the “CCC…
Equitable Tolling May Apply to Deadline for Motion to Vacate Arbitration Award
NuVasive, a manufacturer of medical products, had an exclusive distribution agreement, including noncompetition provisions, with Absolute Medical, LLC. After Absolute Medical disclaimed that agreement and started using the same salespeople to work for NuVasive’s competitor, NuVasive sued. The district court ordered arbitration of one of NuVasive’s claims—for breach-of-contract damages—and stayed most of the other claims….
CFPB’s “Egregious” Conduct Provides Roadmap for How Not to Defend a 30(b)(6) Deposition
The deposition of a party’s corporate representative under Rule 30(b)(6) often presents a tension between inquiry into the party’s knowledge of facts—which is fair game—and inquiry into the party’s legal positions—which can delve into protected attorney work-product. Lawyers representing the Consumer Financial Protection Bureau (“CFPB”) in a case about an allegedly fraudulent debt-collection scheme provided…
Summary Judgment for Creditor on FCRA Claim Arising Out of Impersonation of Cardholder
An employee of Shelly Milgram’s interior-design business opened up three personal credit cards in Milgram’s name, without Milgram’s authorization. The employee made charges on those cards—one of which was a Chase card—and on a Chase business card in Milgram’s name, without Milgram’s permission. The employee paid the resulting bills from a bank account owned by…
Novel Data-Breach Claim Survives Motion to Dismiss Employee Class Action
The Eleventh Circuit revived a putative data-breach class action in Ramirez v. Paradies Shops, LLC, No. 22-12853, _ F.4th _ (11th Cir. June 5, 2023), which a district court had dismissed for failure to state a claim under Georgia law. The opinion reflects a trend of expanding privacy protection and has already been cited in…
No Right to Interlocutory Appeal of Order Compelling Insurance Appraisal
A divided Eleventh Circuit panel held that an order compelling an appraisal under an insurance policy provision and staying the litigation pending the appraisal’s outcome is not appealable of right. Positano Place at Naples I Condo Ass’n, Inc. v. Empire Indemnity Insurance Co., 2023 WL 3730876 (11th Cir. May 31, 2023)…
Yachting Hobby Costs Held Not Tax Deductible
In Gregory v. Commissioner (2023 WL 3699087, 11th Cir. May 30, 2023), the Eleventh Circuit affirmed the Tax Court’s decision that the taxpayer’s deduction of costs related to a hobby, which were allowable to the extent of gross income from the hobby, are nevertheless subject to disallowance under the Code’s then applicable 2 percent floor…
State Law Claims of Negligence in Selecting Motor Carrier Are Expressly Preempted by the Federal Aviation Administration Authorization Act
The express preemption provision of the Federal Aviation Administration Authorization Act (“FAAAA”) bars Florida negligence claims against a transportation broker based on the broker’s selection of motor carrier. Aspen American Insurance Company v. Landstar Ranger, Inc., 65 F.4th 1261 (11th Cir. 2023). The owner of cargo hired a transportation broker to secure a motor carrier…