Real Property, Financial Services, & Title Insurance Update: Week Ending July 9, 2021

Real Property Litigation   |   Consumer Finance   |   Title Insurance   |   July 9, 2021
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Real Property Update

Financial Services Update

  • FDCPA & FCCPA / Definition of Debtor: A consumer may claim that no debt exists while simultaneously claiming that he is a debtor who does owe the alleged debt and still meet the definition of a debtor under the FDCPA and FCCPA – Callum v. NewRez, LLC, No. 8:21-cv-00005 (M.D. Fla. Apr. 28, 2021)
  • FCRA / Credit Score Disclosure: Mortgage company did not willfully violate the FCRA by failing to send a credit score disclosure to wife after using wife’s credit score in connection with husband’s inquiry into a joint mortgage loan; mortgage company’s interpretation of a “consumer” to include only the individual who initiated the loan application was not objectively unreasonable – Ajomale v. Quicken Loans, Inc., No. 20-12952 (11th Cir. July 6, 2021)

  • FCRA / Remand / Standing: Remand granted even though the only cause of action at issue was based on an alleged violation of the FCRA because the plaintiff, who originally filed in state court, lacked Article III standing – Michaeli v. Kentfield Rehab. Hosp. Found., No. 3:21-cv-03035 (N.D. Cal. July 7, 2021) (granting motion to remand)

Title Insurance Update

  • No cases to report.

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