Case: Consumer Financial Protection Bureau (CFPB) v. Credit Acceptance Corporation

1:23-cv-00038 | U.S. District Court for the Southern District of New York

Filed Date: Jan. 4, 2023

Case Ongoing

Clearinghouse coding complete

Case Summary

In this lawsuit, the Consumer Financial Protection Bureau (CFPB) challenged the Credit Acceptance Corporation’s alleged practices of exploiting financially vulnerable consumers through deceptive auto lending schemes; it ultimately withdrew participation as part of the Trump administration's rollback of efforts to combat predatory lending practices. The CFPB and the People of the State of New York, represented by the Attorney General, filed a joint lawsuit against Credit Acceptance Corporation (…

In this lawsuit, the Consumer Financial Protection Bureau (CFPB) challenged the Credit Acceptance Corporation’s alleged practices of exploiting financially vulnerable consumers through deceptive auto lending schemes; it ultimately withdrew participation as part of the Trump administration's rollback of efforts to combat predatory lending practices.

The CFPB and the People of the State of New York, represented by the Attorney General, filed a joint lawsuit against Credit Acceptance Corporation (CAC) on January 4, 2023, in the U.S. District Court for the Southern District of New York. CAC is an indirect auto lender that funds and services car loans for subprime and deep subprime consumers, or consumers who have poor or limited credit histories and pose a higher risk of defaulting on loans.

The joint complaint alleged that CAC engaged in making predatory loans to financially vulnerable consumers in violation of the Consumer Financial Protection Act and New York Executive Law § 63(12). Specifically, per the complaint, the company touted its loans as a way for consumers to build credit and financial freedom, though in reality, the lending model incentivized dealers to sell cars at inflated prices, as the chosen interest rate did not change based on the borrower's risk. This led car dealers to include many expensive add-on products without the borrowers' knowledge, such that borrowers would take on more debt and default. The CFPB further claimed that CAC misled investors by bundling large groups of individual loans together and repackaging them into a single, tradable financial security while falsely representing compliance with state and federal laws. The plaintiffs sought injunctive relief, restitution, disgorgement, and civil penalties for these violations. The case was assigned to District Judge Jennifer H Rearden.

On January 13, 2023, CAC moved to stay this action pending the U.S. Supreme Court’s decision in Consumer Financial Protection Bureau v. Community Financial Services Association of America, Ltd., No. 22-448 ("CFSA"). The defendant also filed a motion to dismiss the complaint on March 14, 2023. On April 26, 2023,  the American Financial Services Association, Chamber of Commerce of the United States of America, and Consumer Bankers Association filed an amicus brief in support of the motion. On August 7, 2023, the court granted the motion to stay the case.

On August 14, 2024, CAC filed a revised motion to dismiss the complaint.

On April 24, 2025, the CFPB sought to remove itself as a plaintiff in the case. The court granted the consent motion and withdrew the Bureau from the case. The State of New York remained as a plaintiff.

On January 28, 2026, the case was reassigned to District Judge Jesse M. Furman. On February 5, 2026, the parties filed a joint letter to the court stating their request for a 60-day adjournment to further settlement discussions. The court endorsed this request.

On April 3, 2026, the parties provided a joint update to the court stating that they had continued their efforts to resolve the case via settlement and sought to extend the adjournment of all proceedings. On June 5, 2026 the parties provided a joint letter stating that all claims asserted had been settled in principle. The same day, the court ordered the action be dismissed and discontinued without prejudice, with the right to reopen within sixty days if settlement was not consummated.

Summary Authors

Madeline Dollard (6/22/2026)

People

For PACER's information on parties and their attorneys, see: https://www.courtlistener.com/docket/66698748/parties/people-of-the-state-of-new-york-v-credit-acceptance-corporation/


Judge(s)

Furman, Jesse Matthew (New York)

Attorney for Plaintiff

Azia, Jane M. (New York)

Buchko, Vanessa (New York)

Filburn, Christopher Lee (New York)

Attorney for Defendant

Fredmonski, Christopher Ryan (New York)

Expert/Monitor/Master/Other

show all people

Documents in the Clearinghouse

Document
1

1:23-cv-00038

Complaint

Jan. 4, 2023

Jan. 4, 2023

Complaint
64

1:23-cv-00038

Memorandum Opinion & Order

Consumer Financial Protection Bureau v. Credit Acceptance Corporation

Aug. 7, 2023

Aug. 7, 2023

Order/Opinion

2023 WL 5013303

86

1:23-cv-00038

Consent Motion By Plaintiff Consumer Financial Protection Bureau To Withdraw As A Plaintiff

Consumer Financial Protection Bureau v. Credit Acceptance Corporation

April 24, 2025

April 24, 2025

Pleading / Motion / Brief
94

1:23-cv-00038

Order

People of the State of New York v. Credit Acceptance Corporation

June 5, 2026

June 5, 2026

Order/Opinion

Docket

See docket on RECAP: https://www.courtlistener.com/docket/66698748/people-of-the-state-of-new-york-v-credit-acceptance-corporation/

Last updated July 22, 2026, 3:11 a.m.

ECF Number Description Date Link Date / Link
1

COMPLAINT against Credit Acceptance Corporation. Document filed by People of the State of New York, by Letitia James, Attorney General of the State of New York..(Filburn, Christopher) Modified on 1/5/2023 (pc). Modified on 1/5/2023 (pc). (Entered: 01/04/2023)

Jan. 4, 2023

Jan. 4, 2023

Clearinghouse
2

CIVIL COVER SHEET filed..(Filburn, Christopher) (Entered: 01/04/2023)

Jan. 4, 2023

Jan. 4, 2023

3

FILING ERROR - DEFICIENT DOCKET ENTRY - MOTION for Vanessa A. Buchko to Appear Pro Hac Vice . Motion and supporting papers to be reviewed by Clerk's Office staff. Document filed by People of the State of New York, by Letitia James, Attorney General of the State of New York. (Attachments: # 1 Exhibit Affidavit, # 2 Exhibit Certificates of Good Standing, # 3 Text of Proposed Order Proposed Order).(Filburn, Christopher) Modified on 1/5/2023 (vba). (Entered: 01/04/2023)

Jan. 4, 2023

Jan. 4, 2023

4

MOTION for Phillip A. Harris, Jr. to Appear Pro Hac Vice . Motion and supporting papers to be reviewed by Clerk's Office staff. Document filed by People of the State of New York, by Letitia James, Attorney General of the State of New York. (Attachments: # 1 Exhibit Affidavit, # 2 Exhibit Certificates of Good Standing, # 3 Text of Proposed Order Proposed Order).(Filburn, Christopher) (Entered: 01/04/2023)

Jan. 4, 2023

Jan. 4, 2023

5

MOTION for Amy Rebecca Marshall Mix to Appear Pro Hac Vice . Motion and supporting papers to be reviewed by Clerk's Office staff. Document filed by People of the State of New York, by Letitia James, Attorney General of the State of New York. (Attachments: # 1 Exhibit Affidavit, # 2 Exhibit Certificates of Good Standing, # 3 Text of Proposed Order Proposed Order).(Filburn, Christopher) (Entered: 01/04/2023)

Jan. 4, 2023

Jan. 4, 2023

CASE OPENING INITIAL ASSIGNMENT NOTICE: The above-entitled action is assigned to Judge Jennifer H Rearden. Please download and review the Individual Practices of the assigned District Judge, located at https://nysd.uscourts.gov/judges/district-judges. Attorneys are responsible for providing courtesy copies to judges where their Individual Practices require such. Please download and review the ECF Rules and Instructions, located at https://nysd.uscourts.gov/rules/ecf-related-instructions..(pc)

Jan. 5, 2023

Jan. 5, 2023

Magistrate Judge Stewart D. Aaron is so designated. Pursuant to 28 U.S.C. Section 636(c) and Fed. R. Civ. P. 73(b)(1) parties are notified that they may consent to proceed before a United States Magistrate Judge. Parties who wish to consent may access the necessary form at the following link: https://nysd.uscourts.gov/sites/default/files/2018-06/AO-3.pdf. (pc)

Jan. 5, 2023

Jan. 5, 2023

Case Designated ECF. (pc)

Jan. 5, 2023

Jan. 5, 2023

***NOTICE TO ATTORNEY REGARDING PARTY MODIFICATION. Notice to attorney Christopher Lee Filburn. The party information for the following party/parties has been modified: People of the State of New York, by Letitia James, Attorney General of the State of New York. The information for the party/parties has been modified for the following reason/reasons: party text was omitted;. (pc)

Jan. 5, 2023

Jan. 5, 2023

>>>NOTICE REGARDING PRO HAC VICE MOTION. Regarding Document No. 5 MOTION for Amy Rebecca Marshall Mix to Appear Pro Hac Vice . Motion and supporting papers to be reviewed by Clerk's Office staff., 4 MOTION for Phillip A. Harris, Jr. to Appear Pro Hac Vice . Motion and supporting papers to be reviewed by Clerk's Office staff.. The document has been reviewed and there are no deficiencies. (vba)

Jan. 5, 2023

Jan. 5, 2023

>>>NOTICE REGARDING DEFICIENT MOTION TO APPEAR PRO HAC VICE. Notice to RE-FILE Document No. 3 MOTION for Vanessa A. Buchko to Appear Pro Hac Vice . Motion and supporting papers to be reviewed by Clerk's Office staff... The filing is deficient for the following reason(s): missing Certificate of Good Standing from SUPREME COURT OF FLORIDA; we do not accept State Bar;. Re-file the motion as a Motion to Appear Pro Hac Vice - attach the correct signed PDF - select the correct named filer/filers - attach valid Certificates of Good Standing issued within the past 30 days - attach Proposed Order. (vba)

Jan. 5, 2023

Jan. 5, 2023

Case Opening Initial Assignment Notice

Jan. 5, 2023

Jan. 5, 2023

Notice to Attorney Regarding Party Modification

Jan. 5, 2023

Jan. 5, 2023

Notice Regarding Pro Hac Vice Motion

Jan. 5, 2023

Jan. 5, 2023

Notice Regarding Deficient Motion to Appear Pro Hac Vice

Jan. 5, 2023

Jan. 5, 2023

6

REQUEST FOR ISSUANCE OF SUMMONS as to Credit Acceptance Corporation, re: 1 Complaint. Document filed by People of The State of New York..(Filburn, Christopher) (Entered: 01/06/2023)

Jan. 6, 2023

Jan. 6, 2023

7

ELECTRONIC SUMMONS ISSUED as to Credit Acceptance Corporation..(pc) (Entered: 01/09/2023)

Jan. 9, 2023

Jan. 9, 2023

8

NOTICE OF APPEARANCE by Jane M. Azia on behalf of People of The State of New York..(Azia, Jane) (Entered: 01/10/2023)

Jan. 10, 2023

Jan. 10, 2023

9

MOTION for Vanessa A. Buchko to Appear Pro Hac Vice . Motion and supporting papers to be reviewed by Clerk's Office staff. Document filed by People of The State of New York. (Attachments: # 1 Exhibit Affidavit, # 2 Exhibit Certificates of Good Standing, # 3 Text of Proposed Order Proposed Order).(Filburn, Christopher) (Entered: 01/11/2023)

Jan. 11, 2023

Jan. 11, 2023

>>>NOTICE REGARDING PRO HAC VICE MOTION. Regarding Document No. 9 MOTION for Vanessa A. Buchko to Appear Pro Hac Vice . Motion and supporting papers to be reviewed by Clerk's Office staff.. The document has been reviewed and there are no deficiencies. (sgz)

Jan. 12, 2023

Jan. 12, 2023

Notice Regarding Pro Hac Vice Motion

Jan. 12, 2023

Jan. 12, 2023

10

ORDER granting 9 Motion for Vanessa A. Buchko to Appear Pro Hac Vice. (Signed by Judge Jennifer H. Rearden on 1/13/2023) (ate) (Entered: 01/13/2023)

Jan. 13, 2023

Jan. 13, 2023

11

ORDER granting 4 Motion for Phillip A. Harris, Jr. to Appear Pro Hac Vice. (Signed by Judge Jennifer H. Rearden on 1/13/2023) (ate) (Entered: 01/13/2023)

Jan. 13, 2023

Jan. 13, 2023

12

ORDER granting 5 Motion for Amy R. Mix to Appear Pro Hac Vice. (Signed by Judge Jennifer H. Rearden on 1/13/2023) (ate) (Entered: 01/13/2023)

Jan. 13, 2023

Jan. 13, 2023

13

WAIVER OF SERVICE RETURNED EXECUTED. Credit Acceptance Corporation waiver sent on 1/13/2023, answer due 3/14/2023. Document filed by People of The State of New York..(Filburn, Christopher) (Entered: 01/13/2023)

Jan. 13, 2023

Jan. 13, 2023

14

NOTICE OF APPEARANCE by Patrick George Rideout on behalf of Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 01/13/2023)

Jan. 13, 2023

Jan. 13, 2023

15

NOTICE OF APPEARANCE by Jeffrey S. Geier on behalf of Credit Acceptance Corporation..(Geier, Jeffrey) (Entered: 01/13/2023)

Jan. 13, 2023

Jan. 13, 2023

16

NOTICE OF APPEARANCE by Christopher Ryan Fredmonski on behalf of Credit Acceptance Corporation..(Fredmonski, Christopher) (Entered: 01/13/2023)

Jan. 13, 2023

Jan. 13, 2023

RECAP
17

RULE 7.1 CORPORATE DISCLOSURE STATEMENT. Identifying Other Affiliate Buyers Vehicle Protection Plan, Inc., Other Affiliate CAC International Holdings, LLC, Other Affiliate CAC of Canada Company, Other Affiliate CAC Reinsurance, Ltd., Other Affiliate CAC Scotland, Other Affiliate CAC Warehouse Funding LLC II, Other Affiliate CAC Warehouse Funding LLC IV, Other Affiliate CAC Warehouse Funding LLC V, Other Affiliate CAC Warehouse Funding LLC VI, Other Affiliate CAC Warehouse Funding LLC VIII, Other Affiliate Credit Acceptance Auto Loan Trust 2019-3, Other Affiliate Credit Acceptance Auto Loan Trust 2020-1, Other Affiliate Credit Acceptance Auto Loan Trust 2020-2, Other Affiliate Credit Acceptance Auto Loan Trust 2020-3, Other Affiliate Credit Acceptance Auto Loan Trust 2021-2, Other Affiliate Credit Acceptance Auto Loan Trust 2021-3, Other Affiliate Credit Acceptance Auto Loan Trust 2021-4, Other Affiliate Credit Acceptance Auto Loan Trust 2022-1, Other Affiliate Credit Acceptance Auto Loan Trust 2022-3, Other Affiliate Credit Acceptance Auto Loan Trust 2023-1, Other Affiliate Credit Acceptance Corporation of South Dakota, Inc., Other Affiliate Credit Acceptance Funding LLC 2018-1, Other Affiliate Credit Acceptance Funding LLC 2018-2, Other Affiliate Credit Acceptance Funding LLC 2018-3, Other Affiliate Credit Acceptance Funding LLC 2019-1, Other Affiliate Credit Acceptance Funding LLC 2019-2, Other Affiliate Credit Acceptance Funding LLC 2019-3, Other Affiliate Credit Acceptance Funding LLC 2020-1, Other Affiliate Credit Acceptance Funding LLC 2020-2, Other Affiliate Credit Acceptance Funding LLC 2020-3, Other Affiliate Credit Acceptance Funding LLC 2021-1, Other Affiliate Credit Acceptance Funding LLC 2021-2, Other Affiliate Credit Acceptance Funding LLC 2021-3, Other Affiliate Credit Acceptance Funding LLC 2021-4, Other Affiliate Credit Acceptance Funding LLC 2022-1, Other Affiliate Credit Acceptance Funding LLC 2022-2, Other Affiliate Credit Acceptance Funding LLC 2022-3, Other Affiliate Credit Acceptance Funding LLC 2023-1, Other Affiliate Chapter 4 Properties, LLC, Other Affiliate Vehicle Remarketing Services, Inc., Other Affiliate VSC Re Company for Credit Acceptance Corporation. Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 01/13/2023)

Jan. 13, 2023

Jan. 13, 2023

RECAP
18

LETTER MOTION to Stay Action addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated January 13, 2023. Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 01/13/2023)

Jan. 13, 2023

Jan. 13, 2023

19

NOTICE OF APPEARANCE by Phillip Absolom Harris, Jr on behalf of Consumer Financial Protection Bureau..(Harris, Phillip) (Entered: 01/19/2023)

Jan. 19, 2023

Jan. 19, 2023

20

LETTER RESPONSE in Opposition to Motion addressed to Judge Jennifer H. Rearden from Phillip A. Harris, Jr. and Christopher L. Filburn dated January 19, 2023 re: 18 LETTER MOTION to Stay Action addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated January 13, 2023. . Document filed by Consumer Financial Protection Bureau..(Harris, Phillip) (Entered: 01/19/2023)

Jan. 19, 2023

Jan. 19, 2023

RECAP
21

MOTION for Anand S. Raman to Appear Pro Hac Vice . Filing fee $ 200.00, receipt number ANYSDC-27226870. Motion and supporting papers to be reviewed by Clerk's Office staff. Document filed by Credit Acceptance Corporation. (Attachments: # 1 Affidavit Declaration of Anand S. Raman, # 2 Exhibit 1 to Declaration - Certificate of Good Standing, # 3 Text of Proposed Order Proposed Order).(Raman, Anand) (Entered: 01/20/2023)

Jan. 20, 2023

Jan. 20, 2023

22

MOTION for Darren M. Welch to Appear Pro Hac Vice . Filing fee $ 200.00, receipt number ANYSDC-27226967. Motion and supporting papers to be reviewed by Clerk's Office staff. Document filed by Credit Acceptance Corporation. (Attachments: # 1 Affidavit Declaration of Darren M. Welch, # 2 Exhibit 1 - Certificate of Good Standing - District of Columbia, # 3 Exhibit 2- Certificate of Good Standing - Maryland, # 4 Exhibit 3 - Certificate of Good Standing - Virginia, # 5 Text of Proposed Order Proposed Order).(Welch, Darren) (Entered: 01/20/2023)

Jan. 20, 2023

Jan. 20, 2023

23

NOTICE OF APPEARANCE by Amy R M Mix on behalf of Consumer Financial Protection Bureau..(Mix, Amy) (Entered: 01/20/2023)

Jan. 20, 2023

Jan. 20, 2023

24

NOTICE OF APPEARANCE by Vanessa Buchko on behalf of Consumer Financial Protection Bureau..(Buchko, Vanessa) (Entered: 01/20/2023)

Jan. 20, 2023

Jan. 20, 2023

25

LETTER REPLY to Response to Motion addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated January 20, 2023 re: 18 LETTER MOTION to Stay Action addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated January 13, 2023. . Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 01/20/2023)

Jan. 20, 2023

Jan. 20, 2023

>>>NOTICE REGARDING PRO HAC VICE MOTION. Regarding Document No. 21 MOTION for Anand S. Raman to Appear Pro Hac Vice . Filing fee $ 200.00, receipt number ANYSDC-27226870. Motion and supporting papers to be reviewed by Clerk's Office staff. The document has been reviewed and there are no deficiencies. (sac)

Jan. 23, 2023

Jan. 23, 2023

>>>NOTICE REGARDING PRO HAC VICE MOTION. Regarding Document No. 22 MOTION for Darren M. Welch to Appear Pro Hac Vice . Filing fee $ 200.00, receipt number ANYSDC-27226967. Motion and supporting papers to be reviewed by Clerk's Office staff. The document has been reviewed and there are no deficiencies. (sac)

Jan. 23, 2023

Jan. 23, 2023

Notice Regarding Pro Hac Vice Motion

Jan. 23, 2023

Jan. 23, 2023

26

ORDER FOR ADMISSION PRO HAC VICE granting 21 Motion for Anand S. Raman to Appear Pro Hac Vice. (Signed by Judge Jennifer H. Rearden on 1/24/2023) (vfr) (Entered: 01/24/2023)

Jan. 24, 2023

Jan. 24, 2023

27

ORDER FOR ADMISSION PRO HAC VICE granting 22 Motion for Darren M. Welch to Appear Pro Hac Vice. (Signed by Judge Jennifer H. Rearden on 1/24/2023) (vfr) (Entered: 01/24/2023)

Jan. 24, 2023

Jan. 24, 2023

28

LETTER addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated February 27, 2023 re: Supreme Court's Order (18 LETTER MOTION to Stay Action). Document filed by Credit Acceptance Corporation. (Attachments: # 1 Exhibit 1 - Supreme Court's Order).(Rideout, Patrick) (Entered: 02/27/2023)

Feb. 27, 2023

Feb. 27, 2023

29

LETTER addressed to Judge Jennifer H. Rearden from Phillip A. Harris, Jr. dated February 27, 2023 re: ECF 18 LETTER MOTION to Stay Action and ECF 28 LETTER. Document filed by Consumer Financial Protection Bureau, People of The State of New York..(Harris, Phillip) (Entered: 02/27/2023)

Feb. 27, 2023

Feb. 27, 2023

30

LETTER addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated March 2, 2023 re: MoneyGram Stay Order (18 LETTER MOTION to Stay Action). Document filed by Credit Acceptance Corporation. (Attachments: # 1 Exhibit MoneyGram Stay Order).(Rideout, Patrick) (Entered: 03/02/2023)

March 2, 2023

March 2, 2023

31

JOINT LETTER MOTION for Leave to File Excess Pages and to set a briefing schedule addressed to Judge Jennifer H. Rearden from All Parties dated March 6, 2023. Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 03/06/2023)

March 6, 2023

March 6, 2023

RECAP
32

ORDER granting 31 Letter Motion for Leave to File Excess Pages. The parties' joint request for an enlargement of the page limits and entry of a briefing schedule in connection with the proposed motion to dismiss (ECF No. 31) is GRANTED. SO ORDERED. (Signed by Judge Jennifer H. Rearden on 3/13/2023) (va) (Entered: 03/13/2023)

March 13, 2023

March 13, 2023

33

LETTER MOTION to Seal addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated March 14, 2023. Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 03/14/2023)

March 14, 2023

March 14, 2023

34

MOTION to Dismiss the Complaint. Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 03/14/2023)

March 14, 2023

March 14, 2023

RECAP
35

MEMORANDUM OF LAW in Support re: 34 MOTION to Dismiss the Complaint. . Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 03/14/2023)

March 14, 2023

March 14, 2023

RECAP
36

DECLARATION of Patrick G. Rideout in Support re: 33 LETTER MOTION to Seal addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated March 14, 2023., 34 MOTION to Dismiss the Complaint.. Document filed by Credit Acceptance Corporation. (Attachments: # 1 Exhibit A - Retail Installment Contract and Related Agreements (Redacted).).(Rideout, Patrick) (Entered: 03/14/2023)

March 14, 2023

March 14, 2023

37

***SELECTED PARTIES***DECLARATION of Patrick G. Rideout in Support re: 34 MOTION to Dismiss the Complaint.. Document filed by Credit Acceptance Corporation, Consumer Financial Protection Bureau, People of The State of New York. (Attachments: # 1 Exhibit A - Retail Installment Contract and Related Agreements (Under Seal).)Motion or Order to File Under Seal: 33 .(Rideout, Patrick) (Entered: 03/14/2023)

March 14, 2023

March 14, 2023

38

NOTICE OF APPEARANCE by James Kim on behalf of American Financial Services Association, Consumer Bankers Association, Chamber of Commerce of the United States of America..(Kim, James) (Entered: 03/21/2023)

March 21, 2023

March 21, 2023

39

MOTION to File Amicus Brief In Support of Defendant's Motion to Dismiss. Document filed by American Financial Services Association, Chamber of Commerce of the United States of America, Consumer Bankers Association. (Attachments: # 1 Exhibit A - Amicus Brief).(Kim, James) (Entered: 03/21/2023)

1 Exhibit A - Amicus Brief

View on PACER

March 21, 2023

March 21, 2023

40

MOTION for Christopher Willis to Appear Pro Hac Vice . Filing fee $ 200.00, receipt number ANYSDC-27500307. Motion and supporting papers to be reviewed by Clerk's Office staff. Document filed by American Financial Services Association, Chamber of Commerce of the United States of America, Consumer Bankers Association. (Attachments: # 1 Exhibit Declaration of C. Willis in Support of Pro Hac Vice Motion, # 2 Exhibit A - Certificates of Good Standing, # 3 Text of Proposed Order Proposed Order).(Willis, Christopher) (Entered: 03/22/2023)

March 22, 2023

March 22, 2023

41

MOTION for Addison J. Morgan to Appear Pro Hac Vice . Filing fee $ 200.00, receipt number ANYSDC-27505649. Motion and supporting papers to be reviewed by Clerk's Office staff. Document filed by American Financial Services Association, Chamber of Commerce of the United States of America, Consumer Bankers Association. (Attachments: # 1 Exhibit Declaration of A. Morgan in Support of Pro Hac Vice Motion, # 2 Exhibit A - Certificate of Good Standing, # 3 Text of Proposed Order Proposed Order).(Morgan, Addison) (Entered: 03/22/2023)

March 22, 2023

March 22, 2023

42

LETTER addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated March 23, 2023 re: CFPB v. Law Offices of Crystal Moroney P.C.. Document filed by Credit Acceptance Corporation. (Attachments: # 1 Exhibit A - Crystal Moroney Opinion).(Rideout, Patrick) (Entered: 03/23/2023)

March 23, 2023

March 23, 2023

43

LETTER addressed to Judge Jennifer H. Rearden from Phillip A. Harris, Jr. dated March 23, 2023 re: ECF 18 LETTER MOTION to Stay Action and ECF 42 LETTER. Document filed by Consumer Financial Protection Bureau, People of The State of New York..(Harris, Phillip) (Entered: 03/23/2023)

March 23, 2023

March 23, 2023

Notice Regarding Pro Hac Vice Motion

March 23, 2023

March 23, 2023

>>>NOTICE REGARDING PRO HAC VICE MOTION. Regarding Document No. 41 MOTION for Addison J. Morgan to Appear Pro Hac Vice . Filing fee $ 200.00, receipt number ANYSDC-27505649. Motion and supporting papers to be reviewed by Clerk's Office staff., 40 MOTION for Christopher Willis to Appear Pro Hac Vice . Filing fee $ 200.00, receipt number ANYSDC-27500307. Motion and supporting papers to be reviewed by Clerk's Office staff.. The document has been reviewed and there are no deficiencies. (aea)

March 23, 2023

March 23, 2023

44

ORDER granting 40 Motion for Christopher Willis to Appear Pro Hac Vice (HEREBY ORDERED by Judge Jennifer H. Rearden)(Text Only Order) (kwi) (Entered: 03/24/2023)

March 24, 2023

March 24, 2023

45

ORDER granting 41 Motion for Addison J. Morgan to Appear Pro Hac Vice (HEREBY ORDERED by Judge Jennifer H. Rearden)(Text Only Order) (kwi) (Entered: 03/24/2023)

March 24, 2023

March 24, 2023

46

LETTER addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated March 24, 2023 re: ECF 18 LETTER MOTION to Stay Action and ECF 43 LETTER. Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 03/24/2023)

March 24, 2023

March 24, 2023

Order on Motion to Appear Pro Hac Vice

March 24, 2023

March 24, 2023

47

MOTION for Jeremy T. Rosenblum to Appear Pro Hac Vice . Filing fee $ 200.00, receipt number ANYSDC-27520877. Motion and supporting papers to be reviewed by Clerk's Office staff. Document filed by American Financial Services Association, Chamber of Commerce of the United States of America, Consumer Bankers Association. (Attachments: # 1 Exhibit Declaration of J. Rosenblum in Support of Pro Hac Vice Motion, # 2 Exhibit A - Certificate of Good Standing, # 3 Text of Proposed Order Proposed Order).(Rosenblum, Jeremy) (Entered: 03/27/2023)

1 Exhibit Declaration of J. Rosenblum in Support of Pro Hac Vice Motion

View on PACER

2 Exhibit A - Certificate of Good Standing

View on PACER

3 Text of Proposed Order Proposed Order

View on PACER

March 27, 2023

March 27, 2023

Notice Regarding Pro Hac Vice Motion

March 28, 2023

March 28, 2023

>>>NOTICE REGARDING PRO HAC VICE MOTION. Regarding Document No. 47 MOTION for Jeremy T. Rosenblum to Appear Pro Hac Vice . Filing fee $ 200.00, receipt number ANYSDC-27520877. Motion and supporting papers to be reviewed by Clerk's Office staff.. The document has been reviewed and there are no deficiencies. (aea)

March 28, 2023

March 28, 2023

48

ORDER granting 47 Motion for Jeremy T. Rosenblum to Appear Pro Hac Vice (HEREBY ORDERED by Judge Jennifer H. Rearden)(Text Only Order) (kwi) (Entered: 03/30/2023)

March 30, 2023

March 30, 2023

Order on Motion to Appear Pro Hac Vice

March 30, 2023

March 30, 2023

49

LETTER addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated April 10, 2023 re: MoneyGram Stay Order (18 LETTER MOTION to Stay Action). Document filed by Credit Acceptance Corporation. (Attachments: # 1 Exhibit A - MoneyGram Stay Order).(Rideout, Patrick) (Entered: 04/10/2023)

1 Exhibit A - MoneyGram Stay Order

View on PACER

April 10, 2023

April 10, 2023

50

LETTER addressed to Judge Jennifer H. Rearden from Phillip A. Harris, Jr. dated APRIL 18, 2023 re: ECF 18 LETTER MOTION to Stay Action. Document filed by Consumer Financial Protection Bureau, People of The State of New York. (Attachments: # 1 Exhibit A - Slip op. CFPB v. TransUnion).(Harris, Phillip) (Entered: 04/18/2023)

1 Exhibit A - Slip op. CFPB v. TransUnion

View on PACER

April 18, 2023

April 18, 2023

RECAP
51

MEMO ENDORSEMENT granting 39 Letter Motion to File Amicus Brief. ENDORSEMENT: The motion for leave to file an amicus brief in support of Defendant's motion to dismiss (ECF No. 39) is GRANTED. Amici shall file on the docket the amicus brief previously filed as Exhibit A to their motion. SO ORDERED. (Signed by Judge Jennifer H. Rearden on 4/26/2023) (rro) (Entered: 04/26/2023)

April 26, 2023

April 26, 2023

52

BRIEF re: 34 MOTION to Dismiss the Complaint. Amicus Brief in Support of Motion to Dismiss the Complaint. Document filed by American Financial Services Association, Chamber of Commerce of the United States of America, Consumer Bankers Association..(Kim, James) (Entered: 04/26/2023)

April 26, 2023

April 26, 2023

RECAP
53

MEMORANDUM OF LAW in Opposition re: 34 MOTION to Dismiss the Complaint. . Document filed by Consumer Financial Protection Bureau, People of The State of New York..(Filburn, Christopher) (Entered: 05/15/2023)

May 15, 2023

May 15, 2023

54

FILING ERROR - DEFICIENT DOCKET ENTRY (SEE 55 MOTION) - MOTION to File Amicus Brief in support of Plaintiff's Opposition to Defendant's Motion to Dismiss. Document filed by National Consumer Law Center. (Pizor, Andrew) Modified on 5/24/2023 (db). As per ECF-ERROR Email Correspondence received on 5/22/2023 @ 5:09pm. (Entered: 05/22/2023)

May 22, 2023

May 22, 2023

55

MOTION for Leave to File Amicus Brief in support of Plaintiff's Opposition to Defendant's Motion to Dismiss. Document filed by National Consumer Law Center..(Pizor, Andrew) (Entered: 05/22/2023)

May 22, 2023

May 22, 2023

56

MEMO ENDORSED ORDER granting 55 Motion for Leave to File Document. ENDORSEMENT: The motion for leave to file an amicus brief in support of Plaintiffs' opposition to the motion to dismiss (ECF No. 55) is GRANTED. Amici shall file on the docket the amicus brief previously filed as Exhibit A to their motion. SO ORDERED. (Signed by Judge Jennifer H. Rearden on 6/8/2023) (mml) (Entered: 06/08/2023)

June 8, 2023

June 8, 2023

57

BRIEF re: 34 MOTION to Dismiss the Complaint. Amicus Brief in support of Plaintiff's Opposition to Defendant's Motion to Dismiss. Document filed by National Consumer Law Center..(Pizor, Andrew) (Entered: 06/09/2023)

June 9, 2023

June 9, 2023

58

REPLY MEMORANDUM OF LAW in Support re: 34 MOTION to Dismiss the Complaint. . Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 06/14/2023)

June 14, 2023

June 14, 2023

59

LETTER MOTION for Oral Argument addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated June 14, 2023. Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 06/14/2023)

June 14, 2023

June 14, 2023

RECAP
60

LETTER addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated June 30, 2023 re: Stay of Mandate - CFPB v. Law Offices of Crystal Moroney, P.C., No. 20-3471 (2nd Cir.). Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 06/30/2023)

June 30, 2023

June 30, 2023

61

LETTER addressed to Judge Jennifer H. Rearden from Phillip A. Harris, Jr. dated July 3, 2023 re: ECF 60 LETTER (Stay of Mandate - CFPB v. Law Offices of Crystal Moroney, P.C., No. 20-3471 (2nd Cir.)). Document filed by Consumer Financial Protection Bureau, People of The State of New York..(Harris, Phillip) (Entered: 07/03/2023)

July 3, 2023

July 3, 2023

RECAP
62

LETTER MOTION for Conference addressed to Judge Jennifer H. Rearden from Christopher L. Filburn dated July 27, 2023. Document filed by Consumer Financial Protection Bureau, People of The State of New York..(Filburn, Christopher) (Entered: 07/27/2023)

July 27, 2023

July 27, 2023

63

LETTER RESPONSE to Motion addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated July 28, 2023 re: 62 LETTER MOTION for Conference addressed to Judge Jennifer H. Rearden from Christopher L. Filburn dated July 27, 2023. . Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 07/28/2023)

July 28, 2023

July 28, 2023

64

MEMORANDUM OPINION & ORDER: re: 18 LETTER MOTION to Stay Action. addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated January 13, 2023. filed by Credit Acceptance Corporation. The Clerk of Court is directed to mark this case as STAYED and to terminate ECF No. 18. By the earlier of November 3, 2023 or one week after a major development in the CFSA case, the parties shall file a joint letter updating the Court. SO ORDERED. (Signed by Judge Jennifer H. Rearden on 8/07/2023) (ama) (Entered: 08/07/2023)

Aug. 7, 2023

Aug. 7, 2023

Clearinghouse

Case Stayed (ama)

Aug. 7, 2023

Aug. 7, 2023

65

ORDER re: 64 Memorandum & Opinion, 62 LETTER MOTION for Conference addressed to Judge Jennifer H. Rearden from Christopher L. Filburn dated July 27, 2023. filed by Consumer Financial Protection Bureau, People of The State of New York. In light of the Courts August 7, 2023 Order granting Defendant's letter-motion to stay this action, see ECF No. 64, Plaintiffs' letter-motion for a conference (ECF No. 62) is DENIED as moot. The Clerk of Court is directed to terminate ECF No. 62. (HEREBY ORDERED by Judge Jennifer H. Rearden) (Text Only Order) (kwi) (Entered: 08/08/2023)

Aug. 8, 2023

Aug. 8, 2023

66

ORDER denying as moot 62 Letter Motion for Conference re: 62 LETTER MOTION for Conference addressed to Judge Jennifer H. Rearden from Christopher L. Filburn dated July 27, 2023. (HEREBY ORDERED by Judge Jennifer H. Rearden)(Text Only Order) (kwi) (Entered: 08/08/2023)

Aug. 8, 2023

Aug. 8, 2023

Order on Motion for Conference

Aug. 8, 2023

Aug. 8, 2023

Order

Aug. 8, 2023

Aug. 8, 2023

67

ORDER granting 33 Letter Motion to Seal. Defendant's letter-motion to seal Exhibit A to the March 14, 2023 Declaration of Patrick G. Rideout (ECF No. 33) is GRANTED. See ECF No. 36. For the reasons provided therein, Defendant's proposed redactions are "narrowly tailored" to preserving recognized privacy interests, which outweigh the public's "presumption of access" to this information. Lugosch v. Pyramid Co. of Onondaga, 435 F.3d 110, 124 (2d Cir. 2006); see United States v. Amodeo, 71 F.3d 1044, 1049-51 (2d Cir. 1995). The Clerk of Court is directed to terminate ECF No. 33. SO ORDERED. (Signed by Judge Jennifer H. Rearden on 8/14/2023) (rro) (Entered: 08/14/2023)

Aug. 14, 2023

Aug. 14, 2023

RECAP
68

JOINT LETTER addressed to Judge Jennifer H. Rearden from Patrick G. Rideout, Christopher L. Filburn and Amy Mix dated October 30, 2023 re: ECF 64 MEMORANDUM OPINION & ORDER (Stay Order). Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 10/30/2023)

Oct. 30, 2023

Oct. 30, 2023

69

LETTER addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated May 16, 2024 re: U.S. Supreme Court Decision. Document filed by Credit Acceptance Corporation. (Attachments: # 1 Exhibit A - Supreme Court Decision).(Rideout, Patrick) (Entered: 05/16/2024)

1 Exhibit A - Supreme Court Decision

View on PACER

May 16, 2024

May 16, 2024

RECAP
70

LETTER addressed to Judge Jennifer H. Rearden from Phillip Harris dated June 27, 2024 re: CFSA Decision and ECF No. 64. Document filed by Consumer Financial Protection Bureau, People of The State of New York..(Harris, Phillip) (Entered: 06/27/2024)

June 27, 2024

June 27, 2024

RECAP
71

MEMO ENDORSEMENT on re: 70 Letter filed by Consumer Financial Protection Bureau, People of The State of New York. ENDORSEMENT: Application GRANTED. In light of the passage of time and the Supreme Court's decision in Consumer Financial Protection Bureau v. Community Financial Services Association of America, Ltd., No. 22-448, 2024 WL 2193873 (U.S. May 16, 2024) ("CFSA"), the Court believes that revised briefing on Defendant's motion to dismiss would most effectively address the intervening legal developments and sharpen the issues for resolution. The extended briefing schedule and enlarged page limits previously allowed by the Court, see ECF No. 32, shall remain in place. To wit, by July 31, 2024, Defendant shall file its revised motion to dismiss. By August 30, 2024, Plaintiffs shall file their revised opposition. By September 27, 2024, Defendant shall file any reply. The memoranda in support and opposition shall not exceed 50 pages. Any reply by Defendant shall not exceed 25 pages. The Clerk of Court is directed to lift the stay in this case. The Clerk of Court is further directed to terminate ECF Nos. 34 and 59. SO ORDERED. Motions terminated: 59 LETTER MOTION for Oral Argument addressed to Judge Jennifer H. Rearden from Patrick G. Rideout dated June 14, 2023. filed by Credit Acceptance Corporation, 34 MOTION to Dismiss the Complaint. filed by Credit Acceptance Corporation. ( Motions due by 7/31/2024., Responses due by 8/30/2024, Replies due by 9/27/2024.) Case Stay Lifted. (Signed by Judge Jennifer H. Rearden on 7/1/2024) (tg) (Entered: 07/01/2024)

July 1, 2024

July 1, 2024

RECAP
72

JOINT LETTER MOTION for Extension of Time and to Set a Briefing Schedule addressed to Judge Jennifer H. Rearden from All Parties dated July 12, 2024. Document filed by Consumer Financial Protection Bureau, People of The State of New York..(Filburn, Christopher) (Entered: 07/12/2024)

July 12, 2024

July 12, 2024

73

ORDER granting 72 Letter Motion for Extension of Time.Application GRANTED. By August 14, 2024, Defendant shall file its revised motion to dismiss. By September 27, 2024, Plaintiffs shall file their revised opposition. By October 29, 2024, Defendant shall file any reply. The Clerk of Court is directed to terminate ECF No. 72. SO ORDERED. Motions due by 8/14/2024.. (Signed by Judge Jennifer H. Rearden on 7/12/2024) (jca) (Entered: 07/12/2024)

July 12, 2024

July 12, 2024

Set/Reset Deadlines: Responses due by 9/27/2024 Replies due by 10/29/2024. (jca)

July 12, 2024

July 12, 2024

74

MOTION to Dismiss the Complaint (Revised). Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 08/14/2024)

Aug. 14, 2024

Aug. 14, 2024

RECAP
75

MEMORANDUM OF LAW in Support re: 74 MOTION to Dismiss the Complaint (Revised). . Document filed by Credit Acceptance Corporation..(Rideout, Patrick) (Entered: 08/14/2024)

Aug. 14, 2024

Aug. 14, 2024

RECAP

Case Details

State / Territory:

New York

Case Type(s):

Fair Housing/Lending/Insurance

Special Collection(s):

Trump Administration 2.0: Reversing Course on Existing Litigation

Key Dates

Filing Date: Jan. 4, 2023

Case Ongoing: Yes

Plaintiffs

Plaintiff Description:

The plaintiffs are the Consumer Financial Protection Bureau (CFPB) and the state of New York. The Bureau is an independent agency of the United States charged with regulating the offering and provision of consumer financial products or services under the Federal consumer financial laws.

Plaintiff Type(s):

Non-DOJ federal government plaintiff

State Plaintiff

Public Interest Lawyer: No

Filed Pro Se: No

Class Action Sought: No

Class Action Outcome: Not sought

Defendants

Private Entity/Person

Credit Acceptance Corporation

Defendant Type(s):

Bank or credit provider

Facility Type(s):

Non-government for-profit

Case Details

Other Dockets:

Southern District of New York 1:23-cv-00038

Available Documents:

Complaint (any)

Trial Court Docket

Outcome

Prevailing Party: Plaintiff OR Mixed

Relief Sought:

Damages

Document/Information

Injunction

Relief Granted:

Unknown

Source of Relief:

Settlement

Form of Settlement:

Private Settlement Agreement

Issues

General/Misc.:

Predatory lending

Recommended Citation