Google+
Yahoo finance API is not available right now, please try again soon...
Home | Commentary | Counsel’s Corner: Mortgage Professionals Lining Up for Defense Against TCPA
Print This Post Print This Post

Counsel’s Corner: Mortgage Professionals Lining Up for Defense Against TCPA

David Biderman

David Biderman

David Biderman, a partner in Perkins Coie's San Francisco and Los Angeles offices, focuses his practice on mass tort litigation and consumer class actions. He heads the firm's Mass Tort/Toxic Tort Defense group. He has represented a wide variety of companies in state and federal courts in California for 30 years. Biderman recently talked with DS News about the Telephone Consumer Protection Act (TCPA) and its effect on the mortgage industry.

What is the purpose of the TCPA?

The Telephone Consumer Protection Act was designed to prevent harassing phone calls. It basically says it’s unlawful to make cell phone calls using an automatic telephone dialing system without the consent of the recipient. It’s a federal statute, and violations can result in penalties of $500 to $1,500 per call.

At one time, the TCPA was not a significant issue for people in lending, but now it is, basically due to a variety of decisions by the Federal Communications Commission. Their definition of an autodialer has expanded so enormously that now it includes any phone that’s capable of making any kind of automatic dialing, or any phone that you can program a number in it to dial. The phone that is on your desk would probably be classified as an autodialer under the expanded definition. That has made it difficult, because it was originally designed to cover mass dialing machines, but now it covers virtually any telephone.

There is also the FCC rule that stated before you could make a phone call to someone with a cell phone, you needed written consent in advance. You couldn’t get it during the phone call, and it had to be written—it could not be verbal. Then, to cap things off, about two months ago, the FCC issued an opinion that the consumer could revoke the consent verbally, so there was no written documentation needed that that any consent was revoked. If you’re involved in the business of collecting loans, knowing that you’re recording every call, which now everyone does, now you’re going to have a really hard time demonstrating that the consumer did not revoke the consent. Obviously the consumer is going to say they revoked the consent.

The other thing is that unlike a lot of the other statutes that apply to lenders, for example, the Fair Debt Collection Practices Act, which have caps as to how much can be collected in damages, there is no cap of the liability under the TCPA. You think about how many dollars per phone call and how many phone calls can be made and there has been some really significant settlements in the past couple of years, many involving financial institutions. Accordingly, there has been a big increase in the number of filings. If you’re a lender, you have to be very careful about a) getting the written consent and making sure you’ve documented the written consent, and b) making sure you document every call so that someone can’t say they verbally revoked the consent, because that’s the issue that really caused the problem. You have borrowers who say, “Listen, I revoked the consent.” Unless you’ve got a recording of the phone call, it’s difficult to prove that didn’t happen. All of these cases are brought as class action in tandem with some other statute, like the Fair Debt Collection Practices Act, and it’s created significant exposure for lenders. It’s sort of the lawsuit du jour for consumer plaintiff’s counsel, both against regular retailers, etc., that make phone calls, and more recently and more frequently, against lender defendants.

Since it’s difficult for the lender to prove that the oral revocation didn’t happen, doesn’t that work both ways if there’s no recording of the phone call? Wouldn’t it be difficult for the consumer to prove that it did happen? Or does the consumer get the benefit of the doubt?

What it does prevent is, it prevents you from getting summary judgment. So you can’t get the case knocked out without a trial. It would then go to a jury or a judge to decide whether or not that consent was revoked, and a) the consumer may get the benefit of the doubt, depending on the judge or jury you have, and b) most of these cases are brought as class actions, and if the class is certified—if the court says these suits can be brought on behalf of all borrowers who received phone calls to their cell phones where they had revoked consent, it can be a pretty big class. So the exposure to the lender is very significant, and if you can’t get out on summary judgment, you’re faced with the choice of settling or taking the case to trial. That’s the issue. You like to try to be able to knock these cases out on the pleadings or in some sort of preliminary stage, such as on a motion to dismiss or a motion of summary judgment, before it actually goes to the stage where it starts to reach a jury. Because at that point, it’s a coin flip, with one side saying one thing happened and the other side saying something else happened. That’s why it’s so important to document these calls.

Do you think we’re going to see more of these types of lawsuits, or are mortgage industry professionals going to start covering themselves better so that this type of thing doesn’t happen?

I think these suits are going to continue along, because there’s the statute of limitation is two to four years. You’ve got some situations where the FCC said the consent can be revoked verbally, and they just made that determination a month or two ago, so you’ve got companies that didn’t have procedures in place for making sure they documented there was no verbal revocation. But I think in the future, every lender, and every company that does business with a borrower by phone where there is going to be a call to a cell phone, is going to have to institute rigorous procedures to make sure that each phone call is recorded. You’ve got some sort of documentation as to what transpired. You also need, in advance, in the lending documents or some other form right at the outset, written permission from the consumer that you can make the calls in the first place. So you have to do two things: one, you have to get the written permission, and then two, you need to make sure that you can demonstrate there hasn’t been a verbal revocation. But I know that lenders are putting the appropriate procedures in place so that these lawsuits won’t be brought in the future, or if they are brought, the lender can demonstrate they’re without basis. There is also a legacy period where FCC rulings were not as clear and some of the lenders may not have had all the procedures buttoned down.

About Author: Brian Honea

Brian Honea
Brian Honea's writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master's degree from Amberton University in Garland.

263 comments

  1. Pingback: Counsel’s Corner: Mortgage Professionals Lining Up for Defense Against TCPA - Brokers TitleBrokers Title

  2. Pingback: Agentage | Counsel’s Corner: Mortgage Professionals Lining Up for Defense Against TCPA

  3. Pingback: Counsel’s Corner: Mortgage Professionals Lining Up for Defense Against TCPA | Goo Goo Too

  4. Pingback: TCPA FCC Petitions Tracker – mortagage

  5. Pingback: Check New Lyrics Site

  6. Pingback: Google

  7. Pingback: xmt85c4wx5ctwxw3tcerthve56

  8. Pingback: http://falschgeldkaufen.blogspot.com/2017/01/wo-kann-ich-falschgeld-kaufen.html

  9. Pingback: دانلود قسمت هشتم شهرزاد دوم

  10. Pingback: دانلود شهرزاد قسمت هشتم فصل دوم

  11. Pingback: دانلود قسمت 17 عاشقانه

  12. Pingback: دانلود قسمت دهم فصل دوم شهرزاد

  13. Pingback: دانلود قسمت 14عاشقانه

  14. Pingback: Cherie DeVille

  15. Pingback: sosyalmarketim kullanmayin

  16. Pingback: hampton bay ceiling fan blog

  17. Pingback: دانلود قسمت 12 عاشقانه

  18. Pingback: دانلود قسمت 11 شهرزاد 2

  19. Pingback: دانلود ققسمت 12 عاشقانه

  20. Pingback: under armour stephen curry shoes

  21. Pingback: دانلود قسمت 13 عاشقانه

  22. Pingback: دانلود قسمت اول فصل دوم شهرزاد

  23. Pingback: videos porno

  24. Pingback: porno

  25. Pingback: porno gratis

  26. Pingback: taylormade m1 driver

  27. Pingback: porno

  28. Pingback: videos porno

  29. Pingback: videos porno

  30. Pingback: porno

  31. Pingback: porno gratis

  32. Pingback: videos porno

  33. Pingback: videos porno

  34. Pingback: porno

  35. Pingback: پنجره دوجداره ویستابست

  36. Pingback: making aquarius man fall love you

  37. Pingback: mysql support

  38. Pingback: ساخت پنجره دوجداره

  39. Pingback: Facial Spa Services Dania Beach

  40. Pingback: Facial Spa Services Wilton Manors

  41. Pingback: Acne Facial Treatments Sunrise

  42. Pingback: Acne Facial Treatments Wilton Manors

  43. Pingback: Acne Facial Treatments Plantation

  44. Pingback: پنجره دوجداره

  45. Pingback: دانلود موزیک

  46. Pingback: دانلود قسمت پنجم شهرزاد دوم

  47. Pingback: slot machines

  48. Pingback: دانلود قسمت ششم شهرزاد

  49. Pingback: oral

  50. Pingback: online hotel booking sites

  51. Pingback: Andy Stratmann

  52. Pingback: zynga poker chips

  53. Pingback: jake burgess san diego ca

  54. Pingback: cheats clash royale

  55. Pingback: Situs Qiu Qiu 99 Poker Online Indonesia

  56. Pingback: recessed lights

  57. Pingback: پنجره دوجداره

  58. Pingback: پنجره

  59. Pingback: bitcoin investment coin-banks

  60. Pingback: coin-banks

  61. Pingback: coin-banks.com

  62. Pingback: coin-banks.com

  63. Pingback: DraftKings DFS

  64. Pingback: Porn

  65. Pingback: coin-banks cryptocurrency

  66. Pingback: mdansby

  67. Pingback: funciona

  68. Pingback: suivre le lien

  69. Pingback: download

  70. Pingback: anime series

  71. Pingback: cheap golf clubs

  72. Pingback: vpm

  73. Pingback: دانلود شهرزاد قسمت 13

  74. Pingback: free gems clash royale

  75. Pingback: دانلود سریال شهرزاد قسمت 15 پانزده

  76. Pingback: www.gayrayong.info/home.php?mod=space&uid=1984725&do=profile&from=space

  77. Pingback: http://www.chiyou.name/blog/hz/member.asp?action=view&memName=EtsukoGammon62034

  78. Pingback: Social Media Marketing

  79. Pingback: https://imgur.com/a/6jb0i

  80. Pingback: Candis

  81. Pingback: Chaincoin (chc)

  82. Pingback: build muscle

  83. Pingback: political polls twitter

  84. Pingback: oil change

  85. Pingback: Small marquee hire

  86. Pingback: آموزش ساخت پنجره دوجداره

  87. Pingback: پنجره ضد سرقت

  88. Pingback: شرکت تولیدی پنجره دوجداره

  89. Pingback: قیمت پنجره

  90. Pingback: پنجره دوجداره وین تک

  91. Pingback: Kompaktkamera kaufen

  92. Pingback: House Cleaning copperas cove TX

  93. Pingback: titleist ap2 716 irons australia

  94. Pingback: Limo Service Vancouver BC & Party Limos Bus Vancouver BC

  95. Pingback: promo codes

  96. Pingback: guaranteed unsecured loans

  97. Pingback: sell home

  98. Pingback: kids video

  99. Pingback: دانلود فیلم

  100. Pingback: employment screening

  101. Pingback: دانلود فیلم

  102. Pingback: SEO Belfast

  103. Pingback: how to buy bitcoins

  104. Pingback: پنجره دوجداره

  105. Pingback: pregnancy body pillow

  106. Pingback: GST Invoice Software

  107. Pingback: پنجره ضد سرقت

  108. Pingback: دانلود فیلم

  109. Pingback: پنجره

  110. Pingback: فروش توری پنجره دوجداره

  111. Pingback: https://www.behance.net/jorgedavid7123

  112. Pingback: پنجره دوجداره

  113. Pingback: printing

  114. Pingback: instagramda sex izle

  115. Pingback: SEO Services London

  116. Pingback: Mitch McConnell

  117. Pingback: game ikan deposit 25 rb

  118. Pingback: garden bridge

  119. Pingback: continue reading this

  120. Pingback: seomarketing.GoedBegin.be

  121. Pingback: Limousine Vancouver BC

  122. Pingback: https://en.gravatar.com/adulttoys195

  123. Pingback: https://www.youtube.com/watch?v=Bld2NoB1hBI

  124. Pingback: cheap youtube views

  125. Pingback: ed sheeran albums

  126. Pingback: download best

  127. Pingback: دانلود فیلم

  128. Pingback: فیلم اکسیدان

  129. Pingback: window

  130. Pingback: دانلود فیلم

  131. Pingback: window price

  132. Pingback: Lincoln dental connect

  133. Pingback: Yakima

  134. Pingback: how to talk to girls at parties

  135. Pingback: Nursery Rhymes

  136. Pingback: پنجره

  137. Pingback: Blog

  138. Pingback: پنجره

  139. Pingback: aliexpress dropship

  140. Pingback: پنجره دوجداره

  141. Pingback: پنجره

  142. Pingback: http://cinemaeveryday.in/members/musicopen8/activity/47901/

  143. Pingback: gardening

  144. Pingback: Seo

  145. Pingback: Online kasino malaysia

  146. Pingback: usi-tech

  147. Pingback: Masha & The Bear

  148. Pingback: gay porn

  149. Pingback: Türnotöffnung

  150. Pingback: bowl

  151. Pingback: karaj

  152. Pingback: 12 month loans no credit check direct lenders

  153. Pingback: real money casino games

  154. Pingback: upvc window

  155. Pingback: download movie

  156. Pingback: دانلود

  157. Pingback: دانلود فیلم

  158. Pingback: garden bridges USA

  159. Pingback: paving

  160. Pingback: Christy

  161. Pingback: home maker on the edge

  162. Pingback: Self Storage Units and Facilities on Atlantic Avenue in Brooklyn

  163. Pingback: watch movies online

  164. Pingback: Bandar Togel

  165. Pingback: DIY life hacks

  166. Pingback: Easiest Way To Make Money Online

  167. Pingback: west london appliance repairs

  168. Pingback: blackhead removal mask

  169. Pingback: best piles treatment hospitals

  170. Pingback: unique vape mods

  171. Pingback: cheap jordans

  172. Pingback: oasis vape pen

  173. Pingback: youtube video

  174. Pingback: Togel Online

  175. Pingback: payday loans

  176. Pingback: container shipping

  177. Pingback: پنجره

  178. Pingback: online auction

  179. Pingback: پنجره

  180. Pingback: دانلود فیلم

  181. Pingback: دانلود آینه بغل

  182. Pingback: headhunting

  183. Pingback: Car seat cover

  184. Pingback: stroller sunshade

  185. Pingback: دانلود فیلم نهنگ عنبر 2

  186. Pingback: stroller accessories

  187. Pingback: real caller app

  188. Pingback: iphone porn

  189. Pingback: canada goose coats sale

  190. Pingback: Recommended Site

  191. Pingback: SkinAlley

  192. Pingback: dealfeed

  193. Pingback: Maen Bola!

  194. Pingback: Cologne

  195. Pingback: maximainvestments

  196. Pingback: go to these guys

  197. Pingback: دانلود

  198. Pingback: دانلود فیلم نهنگ عنبر

  199. Pingback: this is a good site

  200. Pingback: Roma

  201. Pingback: لینکدونی

  202. Pingback: ΘΕΣΣΑΛΟΝΙΚΗ ΞΕΝΟΔΟΧΕΙΑ

  203. Pingback: watch porn google

  204. Pingback: link

  205. Pingback: pirater un compte facebook

  206. Pingback: USAA Bank

  207. Pingback: Oddsmonkey

  208. Pingback: Sephora Cosmetics

  209. Pingback: Oddsmonkey

  210. Pingback: spoon holder

  211. Pingback: Oddsmonkey

  212. Pingback: Oddsmonkey

  213. Pingback: Oddsmonkey

  214. Pingback: judi pokerdewa

  215. Pingback: WalmartOne Login

  216. Pingback: menoquil review

  217. Pingback: www.consumerhealthdigest

  218. Pingback: consumerhealthdigest.com/female-enhancement-products/zenofem-libido-enhancer.html

  219. Pingback: نهنگ عنبر

  220. Pingback: what is cryptocurrency

  221. Pingback: San Diego SEO consultant

  222. Pingback: cases accessories

  223. Pingback: true ghost stories

  224. Pingback: news aaj ki

  225. Pingback: Bitcoin

  226. Pingback: La Diete 2 Semaines pdf

  227. Pingback: https://itsmyurls.com/vatigo4335

  228. Pingback: http://scarvesandshawls66.page.tl/Guide-to-Car-Rental-Organizations-in-Costa-Rica.htm?forceVersion=desktop

  229. Pingback: pirater un compte facebook

  230. Pingback: old computer equipment disposal

  231. Pingback: recycle old computers

  232. Pingback: xxx tube sex

  233. Pingback: Los Angeles Web Design Company

  234. Pingback: computer recycling companies swindon

  235. Pingback: 3D Model of Alien Robot

  236. Pingback: site web

  237. Pingback: click hyperlink

  238. Pingback: visit here

  239. Pingback: Yahoo Finance

  240. Pingback: Irvine Real Estate Agent

  241. Pingback: drtuber

  242. Pingback: josep maria mainat maricon

  243. Pingback: make my boobs bigger fast

  244. Pingback: Daniel

  245. Pingback: dentistry in el cajon

  246. Pingback: porn world xxx sex polls

  247. Pingback: walmart1

  248. Pingback: walmartone

  249. Pingback: Professional Ant Control

  250. Pingback: air conditioners with built-in installation

  251. Pingback: cheap viagra online

  252. Pingback: adult toys

  253. Pingback: walmartone

  254. Pingback: momschips review

  255. Pingback: buy hacklink

  256. Pingback: michael kors canada

  257. Pingback: wholesale snapbacks

  258. Pingback: progressive auto

  259. Pingback: ptg oils

  260. Pingback: discounts

  261. Pingback: eico insurance

  262. Pingback: pet gift

  263. Pingback: benefits of tea

Leave a Reply

Scroll To Top