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Hotel guest credit card receipts: Expiration date in violation?

Hotel guest credit card receipts: Expiration date in violation?
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Supreme Court Extends Spokeo s Article III Standing Requirements | Holland & Knight LLP

Highlights The U.S. Supreme Court has upended a class damages award of $40 million under the Fair Credit Reporting Act (FCRA) against TransUnion, one of the Big Three credit reporting agencies. Reversing an earlier ruling by the U.S. Court of Appeals for the Ninth Circuit, the Supreme Court held in a 5-4 decision that 6,332 of the 8,185 certified class members lack Article III standing because TransUnion did not disseminate their credit reports to third-party businesses during the relevant time period. The Supreme Court s decision has broad implications going forward both for FCRA litigation, in particular, and for class action litigation, more generally, with the potential to resolve a split among Courts of Appeal in data breach and ransomware class actions.

Risk of Future Harm No Longer Supports Article III Standing in Federal Court

Advertisement Landmark Ruling in TransUnion v. Ramirez: For Damages Suits, “Risk of Future Harm” No Longer Supports Article III Standing in Federal Court Thursday, July 1, 2021 The Supreme Court in TransUnion LLC v. Ramirez on June 25, 2021 dramatically reorganized and narrowed the Article III landscape for constitutionally cognizable damage suits in federal court. Suits for damages based solely on “risk of future” harm, the Court ruled, are not “Cases” or “Controversies” under the U.S. Constitution and no longer meet what were long thought to be minimal “injury in fact” requirements for a plaintiff to establish standing to sue. Describing the new standard as “No concrete harm, no standing,” in the 5-4 majority opinion authored by Justice Kavanaugh, the Court overturned a $60 million jury verdict (later reduced to $40 million) in favor of a certified class of 8,185 individuals claiming injury from TransUnion’s process for flagging individuals

Alternative credit metrics work Lenders should embrace them

Alternative credit metrics work Lenders should embrace them
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