This new case was decided by the United States Supreme Court about 3 weeks ago. It is extremely interesting on many levels. Basically the court was trying to shoot down the  standing of consumers who were wronged by illicit behavior by the credit bureaus. And the court succeeded as it always does because it is the final word.  they did that. But they also created a change in judicial doctrine that is now the law of the land.

This change doesn’t serve as a magic bullet by which all foreclosures will go away — but it comes awfully close in is effect. It strengthens the argument considerably that the current pleading standards in use violate law — i.e., current approved forms for pleading foreclosure are insufficient to establish standing to foreclose.

Specifically, implied or hypothetical damages arising from the failure to receive a scheduled payment is no reasonable substitute to asserting — on the front end of foreclosure proceedings — that the identified claimant has suffered financial injury because the scheduled payments were due to the claimant; they were injured therefore by the homeowners breach of a promise to pay the claimant. That is the pleading requirement in all other civil cases. It just isn’t the pleading requirement for a foreclosure.

The absence of such pleadings violates at least the intent of what SCOTUS asserted as new doctrine in this case. So in the application for TRO in nonjudicial case or motion for dismissal or motion for more definite statement in judicial case, lawyers now have a stronger argument for saying they should not be required to respond to a complaint that does not assert concrete injury in fact caused by a breach of duty by their client where the duty was in fact owned to the claimant.

If that works, the Wall Street goose might be cooked. If they can’t imply the injury in fact caused by the homeowner and suffered by a real person, then they lose their most essential tool. They lose ability to wear down the homeowner without ever having a real claim and then losing only a small percentage of cases that are quickly buried after years of litigation.

Here are some of the quotes I found most itneresting from the court. It seems that by cutting off the liberal way fo thinking about “damages” they also cut off the protrusion of the investment banks who faked their entry into the lending marketpalce.

To have Article III standing to sue in federal court, plaintiffs must demonstrate, among other things, that they suffered a concrete harm. No concrete harm, no standing. [e.s.] Central to assessing concreteness is whether the asserted harm has a “close relationship” to a harm traditionally recognized as providing a basis for a lawsuit in American courts—such as physical harm, monetary harm, or various intangible harms including (as relevant here) reputational harm. SpokeoInc. v. Robins578 U. S. 330, 340-341 (2016).

TransUnion LLC v. Ramirez, No. 20-297, at *5 (June 25, 2021)

The question in this case focuses on the Article III requirement that the plaintiff’s injury in fact be “concrete”—that is, “real, and not abstract.” SpokeoInc. v. Robins578 U. S. 330, 340 (2016) (internal quotation marks omitted); see Susan BAnthony List v. Driehaus573 U. S. 149, 158 (2014); Summers v. Earth Island Institute555 U. S. 488, 493 (2009); Lujan504 U. S., at 560Schlesinger v. Reservists Commto Stop the War418 U. S. 208, 220-221 (1974).

TransUnion LLC v. Ramirez, No. 20-297, at *12 (June 25, 2021)

As Spokeo explained, certain harms readily qualify as concrete injuries under Article III. The most obvious are traditional tangible harms, such as physical harms and monetary harms. If a defendant has caused physical or monetary injury to the plaintiff, the plaintiff has suffered a concrete injury in fact under Article III.

TransUnion LLC v. Ramirez, No. 20-297, at *13 (June 25, 2021)

this Court has rejected the proposition that “a plaintiff automatically satisfies the injury-in-fact requirement whenever a statute grants a person a statutory right and purports to authorize that person to sue to vindicate that right.” Spokeo, 578 U. S., at 341. As the Court emphasized in Spokeo, “Article III standing requires a concrete injury even in the context of a statutory violation.” Ibid.

TransUnion LLC v. Ramirez, No. 20-297, at *14 (June 25, 2021)

The “law of Art. III standing is built on a single basic idea—the idea of separation of powers.” Raines v. Byrd521 U. S. 811, 820 (1997) (internal quotation marks omitted). Separation of powers “was not simply an abstract generalization in the minds of the Framers: it was woven into the document that they drafted in Philadelphia in the summer of 1787.” INS v. Chadha462 U. S. 919, 946 (1983) (internal quotation marks omitted).

Therefore, we start with the text of the Constitution. Article III confines the federal judicial power to the resolution of “Cases” and “Controversies.” For there to be a case or controversy under Article III, the plaintiff must have a “‘personal stake'” in the case—in other words, standing. Raines521 U. S., at 819. To demonstrate their personal stake, plaintiffs must be able to sufficiently answer the question: “‘What’s it to you?'” Scalia, The Doctrine of Standing as an Essential Element of the Separation of Powers, 17 Suffolk U. L. Rev. 881, 882 (1983).

To answer that question in a way sufficient to establish standing, a plaintiff must show (i) that he suffered an injury in fact that is concrete, particularized, and actual or imminent; (ii) that the injury was likely caused by the defendant; and (iii) that the injury would likely be redressed by judicial relief. Lujan v. Defenders of Wildlife504 U. S. 555, 560-561 (1992). If “the plaintiff does not claim to have suffered an injury that the defendant caused and the court can remedy, there is no case or controversy for the federal court to resolve.” Casillas v. Madison Avenue Assocs., Inc., 926 F. 3d 329, 333 (CA7 2019) (Barrett, J.).

Requiring a plaintiff to demonstrate a concrete and particularized injury caused by the defendant and redressable by the court ensures that federal courts decide only “the rights of individuals,” Marbury v. Madison, 1 Cranch 137, 170 (1803), and that federal courts exercise “their proper function in a limited and separated government,” Roberts, Article III Limits on Statutory Standing, 42 Duke L. J. 1219, 1224 (1993). Under Article III, federal courts do not adjudicate hypothetical or abstract disputes. Federal courts do not possess a roving commission to publicly opine on every legal question. Federal courts do not exercise general legal oversight of the Legislative and Executive Branches, or of private entities. And federal courts do not issue advisory opinions. As Madison explained in Philadelphia, federal courts instead decide only matters “of a Judiciary Nature.” 2 Records of the Federal Convention of 1787, p. 430 (M. Farrand ed. 1966).

In sum, under Article III, a federal court may resolve only “a real controversy with real impact on real persons.” American Legion v. American Humanist Assn., 588 U. S. ___, ___ (2019) (GORSUCH, J., concurring in judgment) (slip op., at 10).

TransUnion LLC v. Ramirez, No. 20-297, at *11-12 (June 25, 2021)


Nobody paid me to write this. I am self-funded, supported only by donations. My mission is to stop foreclosures and other collection efforts against homeowners and consumers without proof of loss. If you want to support this effort please click on this link and donate as much as you feel you can afford.
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Neil F Garfield, MBA, JD, 74, is a Florida licensed trial and appellate attorney since 1977. He has received multiple academic and achievement awards in business and law. He is a former investment banker, securities broker, securities analyst, and financial analyst.

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One Response

  1. All of the cases cited and the comments are regarding federal court. Foreclosure action are in state courts. Are you saying to still raise the issue of standing/damages in state court or remove the case to federal court? The mortgage/deed of trust is clear that the county wherein the property is located has jurisdiction which is state court. What about state courts where a foreclosure action is considered an “in-rem” procedure?

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