• TILA: creditor and assignee (as defined under 15 USC §§ 1602(g), 1641) may be held vicariously liable for original lender’s failure to properly respond to borrower’s request for information under 12 C.F.R. § 226.36 Cenat v. U.S. Bank, N.A., No. 12-80663-CIV (S.D.Fla. March 19, 2013) (denying defendant’s motion to dismiss)
  • FDCPA: borrowers could not state a Fair Debt Collection Practices Act claim against loan servicer without alleging they were in default at the time servicer began servicing their loan Brewer v. Bank of America, N.A., Claim No. 6:12-cv-1633-Orl-37GJK (M.D. Fla. Mar. 12, 2013) (granting motion to dismiss)