united states of america before the bureau of consumer

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UNITED STATES OF AMERICABefore the

BUREAU OF CONSUMER FINANCIAL PROTECTION

In the Matter of Integrity Advance, LLC and James R. CarnesDocket No.: 2015-CFPB-0029

Hon. Christine L. Kirby, Presiding Judge

Date Filed Document # Docket Text 11/18/2015 001 Notice of Charges 11/18/2015 002 Notice of Appearance (Wheeler) 11/18/2015 003 Notice of Appearance (Cowie) 11/18/2015 004 Notice of Appearance (Chum) 11/18/2015 005 Notice of Appearance (Weinberg) 11/18/2015 006 Notice of Appearance (Morris) 11/18/2015 007 Consent to Electronic Service 11/19/2015 008 Notice of ALJ Assignment 11/19/2015 009 Certificate of Service of Notice of Charges 11/20/2015 010 Notice of Appearance (Frechette) 11/20/2015 011 Notice of Appearance (Baker) 11/20/2015 012 Consent to Service by Electronic Transmission 11/24/2015 013 Notice of Appearance (Profita) 11/24/2015 014 Certificate of Service 11/24/2015 015 Respondents Filing of Unopposed Motion for Extension of Time 11/24/2015 015-A Draft Ordering Granting Respondents' Motion for Extension of Time 12/01/2015 016 Order Granting Motion of Extension 12/03/2015 017 Respondents' Unopposed Motion for Protective Order 12/03/2015 017-A Protective Order - Exhibit A (Sealed) 12/03/2015 017-B Protective Order - Exhibit B (Redacted) 12/03/2015 017-C Proposed Protective Order 12/03/2015 018 Motion for Protective Order 12/11/2015 019 Scheduling Conference 12/14/2015 020 Notice of Appearance (Boyd) 12/14/2015 021 Answer and Affirmative Defenses to Notice of Charges 12/14/2015 022 Disclosure Statement and Notification of Financial Interest 12/14/2015 023 Bureau's Motion For A Proposed Scheduling Order 12/14/2015 023-A Proposed Scheduling Order 12/14/2015 024 Respondents' Motion for Proposed Scheduling Order 12/14/2015 024-A Proposed Scheduling Order 12/15/2015 025 Respondents' Motion for the Production of Witness Statements

2015-CFPB-0029 Document 293A Filed 08/04/2020 of 18

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12/15/2015 025-A Proposed Order for Production of Witness Statements 12/18/2015 026 Bureau's Response to Respondents' Motion for Witness Statements 12/18/2015 027 Order Following Scheduling Conference 12/21/2015 028 Respondents' Motion to Dismiss 12/21/2015 028-A Respondents' Brief in Support of Motion to Dismiss the Notice of

Charges 12/23/2015 029 Joint Stipulated Motion for a Protective Order 12/23/2015 029-A Proposed Stipulated Protective Order 12/23/2015 030 Respondents' Reply to Bureau's Response to Motion for Production of

Witness Statements 12/23/2015 030-A Proposed Order 12/29/2015 031 Order Granting Joint Stipulated Motion for a Protective Order 01/08/2016 032 Order Granting in Part and Denying in Part Respondents' Motion for

Production of Witness Statements 01/15/2016 033 Bureau's Opposition to Respondents' Motion to Dismiss 01/26/2016 034 Respondents' Reply Brief in Support of Motion to Dismiss 02/02/2016 035 Bureau's Request for Issuance of Subpoena 02/02/2016 035-A Proposed Order Granting Request for Issuance of Subpoena 02/08/2016 036 Respondents' Objection to Subpoena Request 02/09/2016 037 Order Requiring the Bureau to Submit Additional Information 02/11/2016 038 Bureau's Response to Order Requiring Additional Information 02/16/2016 039 Respondents' Reply to Bureau's Response to February 8, 2016 Order

Requiring the Bureau to Submit Additional Information 02/17/2016 040 Addendum to Respondents' Reply 02/22/2016 041 Order Granting Bureau's Request for Issuance of Subpoena 02/22/2016 042 Subpoena for Documents 02/22/2016 042-A Attachment A to Subpoena 02/22/2016 043 Order Granting Oral Argument on Respondents' Pending Motion 02/25/2016 044 Order Confirming Date for Oral Argument on Respondents' Motion 02/29/2016 045 Order Confirming Location for Oral Argument 03/01/2016 046 Respondents' Motion for Modification of the Scheduling Order -

Extension of Time 03/01/2016 046-A Proposed Order Granting Motion for Modification of the Scheduling

Order - Extension of Time 03/02/2016 047 Notice of Appearance (Bateman) 03/03/2016 048 Order Modifying Scheduling Order 03/09/2016 049 Order Directing Parties to Meet and Confer for the Purpose of Entering

into Joint Stipulations of Fact 03/17/2016 050 Order Setting Parameters for Oral Argument 03/21/2016 051 Respondents' Motion for Extension of Time to Respond to Bureau's

Subpoena


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03/21/2016 051-A Proposed Order for Extension of Time to Response to Bureau's Subpoena

03/21/2016 052 Notice of Appearance (Christine E. White) 03/22/2016 053 Enforcement Counsel's Opposition to Motion for Extension of Time 03/22/2016 054 Declaration of Alusheyi J. Wheeler 03/22/2016 054-A Declaration of Alusheyi J. Wheeler - Exhibit A 03/22/2016 054-B Declaration of Alusheyi J. Wheeler - Exhibit B 03/22/2016 054-C Declaration of Alusheyi J. Wheeler - Exhibit C 03/22/2016 055 Order Granting in Part Respondents' Request for Extension of Time to

Comply with Subpoena 03/23/2016 056 Parties' Joint Stipulations of Fact 03/23/2016 056-A Exhibit A 03/23/2016 056-B Exhibit B 03/23/2016 057 Respondents' List of Controverted Issues of Fact 03/23/2016 058 Enforcement Counsel's Controverted Issues of Fact and Justification for

its Rejected Proposed Stipulations (Sealed) 03/23/2016 058-A Exhibit A (Sealed) 03/23/2016 058-B Exhibit B (Sealed) 03/23/2016 058-C Exhibit C (Sealed) 03/23/2016 058-D Enforcement Counsel's Controverted Issues of Fact and Justification for

its Rejected Proposed Stipulations (Redacted) 03/23/2016 058-E Exhibit A (Redacted) 03/23/2016 058-F Exhibit B (Redacted) 03/23/2016 058-G Exhibit C (Redacted) 03/24/2016 059 Respondents' Motion for Leave to Amend Respondents' List of

Controverted Issues of Fact 03/24/2016 059-A Respondents' List of Controverted Issues of Fact (Sealed) 03/24/2016 059-B Respondents' List of Controverted Issues of Fact (Redacted) 03/24/2016 060 Proposed Order Granting Respondents' Motion for Leave to Amend 03/24/2016 061 Respondents' Motion to Strike Enforcement Counsel's Controverted

Issues of Fact and Justification for Its Rejected Proposed Stipulations 03/31/2016 062 Order Directing Pleading to be Temporarily Sealed Pending a Ruling on

Respondents' Motion for Leave to Amend 04/01/2016 063 Enforcement Counsel's Motion to Strike Portions of Respondents'

Rebuttal Expert Report 04/01/2016 063-A Exhibit A 04/01/2016 063-B Exhibit B 04/08/2016 064 Enforcement Counsel's Opposition to Respondents' Motion to Strike

their Controverted Issues of Fact and Justification 04/08/2016 065 Enforcement Counsel's Opposition to Respondents' Motion to Amend

Their Controverted Issues of Fact


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04/14/2016 066 Respondents'' Reply in Support of its Motion to Strike 04/14/2016 067 Respondents Reply in Support of its Motion for Leave to Amend 04/15/2016 068 Notice of Supplemental Authority 04/15/2016 068-A Exhibit A - Opinion of the U.S. Court of Appeals for the Ninth Circuit 04/15/2016 069 Enforcement Counsel's Motion for Leave to File Sur Reply on Motion to

Strike 04/15/2016 070 Respondents' Response in Opposition to Enforcement Counsel's Motion

for Leave to File Sur-Reply 04/18/2016 071 Respondents' Motion in Opposition to Enforcement Counsel's Motion to

Strike Portions of Respondents' Rebuttal Expert Report 04/18/2016 071-A Exhibit A 04/18/2016 071-B Exhibit B 04/18/2016 071-C Exhibit C 04/18/2016 072 Certificate of Service 04/18/2016 073 Respondents' Response to Bureau's Notice of Supplemental Authority 04/22/2016 074 Enforcement Counsel's Reply in Support of Motion to Strike Portions of

Respondents' Rebuttal Expert Report 04/22/2016 074-A Exhibit A 04/22/2016 075 Order Denying Motion to Dismiss 04/22/2016 076 Order Denying Respondents' Motion for Leave to Amend Controverted

Issues of Fact 04/22/2016 077 Order Denying Respondents' Motion to Strike and Denying Bureau's

Motion to File a Sur-Reply 04/25/2016 078 Respondents' Unopposed Motion for Extension of Time to File Motions

for Summary Disposition 04/25/2016 078-A Proposed Order 04/25/2016 079 Order Granting Respondents' Unopposed Motion for Extension of Time 04/27/2016 080 Supplement to March 3, 2016 Order Modifying Scheduling Order 04/28/2016 081 Order Denying Bureau's Motion to Strike Portions of Respondents'

Rebuttal Expert Report 05/04/2016 082 Respondents' Motion to Stay Proceedings Pending Resolution of Related

Case of Appeal 05/04/2016 082-A Proposed Order 05/04/2016 083 Respondents' Motion for Leave to File an Amended Answer and

Memorandum in Support 05/04/2016 083-A Attachment A: Proposed Order 05/04/2016 083-B Attachment B: Respondents' Amended Answer 05/04/2016 084 Enforcement Counsel's Motion to Compel Production of Subpoenaed

Data 05/04/2016 084-A Attachment A: Declaration of Vivian W. Chum 05/04/2016 084-B Attachment B: Proposed Order 05/05/2016 085 Enforcement Counsel's Notice of Withdrawal of Motion to Compel


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Subpoenaed Data 05/10/2016 086 Enforcement Counsel's Motion for Summary Disposition As To Liability 05/10/2016 087 Enforcement Counsel's Memo of Points and Authorities in Support of its

Motion for Summary Disposition as to Liability 05/10/2016 087-A Attachment A: Exhibit A - Hastak Report 05/10/2016 087-B Attachment B: Exhibit B - Declaration of John Marlow (Under Seal) 05/10/2016 087-C Attachment C: Exhibit B - Declaration of John Marlow (Public) 05/10/2016 087-D Attachment D: Exhibit C - Declaration of Robert J. Hughes 05/10/2016 087-E Attachment E: Exhibit D - Deposition of Dr. Nathan Novemsky 05/10/2016 088 Enforcement Counsel's Statement of Material Facts in Support of its

Motion for Summary Disposition As To Liability 05/10/2016 088-A Attachment A: Exhibit 1-34 (Under Seal) 05/10/2016 088-B Attachment B: Exhibit 1-2 (Public) 05/10/2016 088-C Attachment C: Exhibit 3 Part 1 (Public) 05/10/2016 088-C Attachment C: Exhibit 3 Part 2 (Public) 05/10/2016 088-D Attachment D: Exhibit 4-8 (Public) 05/10/2016 088-E Attachment E: Exhibit 9-33 (Public) 05/10/2016 088-F Attachment F: Exhibit 34 (Public) 05/10/2016 089 Respondents' Motion for Summary Disposition and Brief in Support 05/10/2016 090 Respondents' Statement of Undisputed Facts in Support of their Motion

for Summary Disposition 05/10/2016 091 Declaration of Hillary S. Profita 05/10/2016 091-A Attachment A: Exhibits to Profita Declaration 05/10/2016 092 Certificate of Service 05/19/2016 093 Enforcement Counsel's Opposition to Respondents' Motion for Leave to

File an Amended Answer 05/19/2016 094 Enforcement Counsel's Opposition to Respondents' Motion to Stay 05/25/2016 095 Respondents' Reply in Support of Their Motion for Leave to File an

Amended Answer 05/25/2016 096 Respondents' Reply in Support of Its Motion to Stay 05/27/2016 097 Order Denying Respondents' Motion to Stay Proceedings 05/27/2016 098 Order Denying Respondents' Motion for Leave to File An Amended

Answer 05/27/2016 099 Enforcement Counsel's Opposition to Respondents' Motion for Summary

Disposition 05/27/2016 100 Enforcement Counsel's Response for Respondents' Statement of

Undisputed Facts in Support of Motion for Summary Disposition 05/27/2016 100-A Attachment A: Exhibit 1 - 14 (Under Seal) 05/27/2016 100-B Attachment B: Exhibit 1 - 14 (Public) 05/27/2016 101 Respondents' Opposition to Enforcement Counsel's Motion for Summary

Disposition


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05/27/2016 102 Respondents' Statement of Disputed Facts in Support of Their Opposition to Enforcement Counsel's Motion for Summary Disposition

05/27/2016 102-A Attachment A: Declaration of Peter S. Frechette 05/27/2016 102-B Attachment B: Exhibit 1 - Part 1 05/27/2016 102-B Attachment B: Exhibit 1 - Part 2 05/27/2016 102-C Attachment C: Exhibit 2 05/27/2016 103 Notice of Appearance of Andrew T. Hernacki 06/03/2016 104 Enforcement Counsel's Reply in Support of its Motion for Summary

Disposition 06/03/2016 104-A Attachment A: Exhibits A and B 06/03/2016 105 Respondents' Reply in Support of Their Motion for Summary Disposition 06/07/2016 106 Respondents' Motion In Limine to Preclude Expert Testimony of Dr.

Manoj Hastak 06/07/2016 106-A Attachment A: Brief in Support of Motion 06/07/2016 106-B Attachment B: Proposed Order 06/17/2016 107 Order Revising Dates for Prehearing Submission 06/22/2016 108 Enforcement Counsel's Opposition to Respondents' Motion in Limine to

Preclude Expert Testimony of Dr. Manoj Hastak 06/22/2016 108-A Attachment A: Exhibit 1 06/28/2016 109 Respondents' Reply Brief in Support of Motion In Limine to Preclude

Expert Testimony of Dr. Manoj Hastak 06/28/2016 110 Notice of Appearance of Danielle R. Foley 07/01/2016 111 Order Granting in Part and Denying in Part Bureau's Motion for

Summary Disposition and Denying Respondents' Motion for Summary Disposition

07/05/2016 112 Order Denying Respondents' Motion in Limine 07/06/2016 113 Revised Hearing Scheduling Order 07/06/2016 114 Enforcement Counsel's Witness List - Under Seal 07/06/2016 115 Enforcement Counsel's Witness List - Public 07/06/2016 116 Enforcement Counsel's Exhibit List 07/06/2016 116-A Attachment A 07/06/2016 117 Enforcement Counsel's Request for Issuance of Subpoena for Witness

Testimony 07/06/2016 117-A Attachment A: Enforcement Counsel's Request for Issuance of Subpoena

for Witness Testimony (Under Seal) 07/06/2016 117-B Attachment B: Subpoena - Andonian (Under Seal) 07/06/2016 117-C Attachment C: Subpoena - Carnes (Under Seal) 07/06/2016 117-D Attachment D: Subpoena - Foster (Under Seal) 07/06/2016 117-E Attachment E: Subpoena - Kirk (Under Seal) 07/06/2016 117-F Attachment F: Subpoena - Madsen (Under Seal) 07/06/2016 117-G Attachment G: Subpoena - Miller (Under Seal)


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07/06/2016 118 Respondents' Disclosure of Exhibits 07/06/2016 118-A Attachment A 07/06/2016 119 Respondents' Disclosure of Witnesses 07/06/2016 120 Respondents' Request for Subpoena of Chris Carson 07/06/2016 120-A Attachment A: Proposed Subpoena of Chris Carson 07/08/2016 121 Respondents' Request for Subpoena of E. Quinn Miller 07/08/2016 121-A Attachment A: Exhibit A (Proposed) Subpoena of E. Quinn Miller 07/08/2016 122 Granting of Respondents' Subpoena request of Chris Carson 07/08/2016 123 Granting of Bureau's Subpoena Requests of Witness Testimony 07/08/2016 123-A Attachment A: Granting of Bureau's Subpoena Requests of Witness

Testimony (Under Seal) 07/08/2016 124 Joint Stipulation Regarding Exhibits to Which Neither Party Objects 07/08/2016 125 Motion to Withdraw Count IV 07/08/2016 126 Enforcement Counsel's Motion to Preclude Evidence Disputing Issues

and Facts Decided at MSD 07/08/2016 126-A Attachment A: Brief in Support of Motion to Preclude 07/08/2016 126-B Attachment B: Wheeler Declaration 07/08/2016 126-C Attachment C: Exhibit A to Wheeler Declaration 07/08/2016 126-D Attachment D: Proposed Order 07/11/2016 127 Stipulated Motion to Withdraw Count IV with Prejudice 07/11/2016 128 Enforcement Counsel's Notice of Withdrawal of Motion to Withdraw

Count IV 07/11/2016 129 Enforcement Counsel's Objections to Respondents' Proposed Exhibits

and Witnesses 07/11/2016 130 Respondents' Opposition to Enforcement Counsel's Motion In Limine 07/11/2016 131 Respondents' Objections to Enforcement Counsel's Exhibit List 07/11/2016 132 Respondents' Omnibus Motion In Limine to Exclude Evidence 07/11/2016 132-A Attachment A: Proposed Order 07/12/2016 133 Order Granting Enforcement Counsel's Stipulated Motion to Withdraw

Count IV with Prejudice 07/12/2016 134 Enforcement Counsel's Prehearing Statement 07/12/2016 135 Respondents' Prehearing Statement 07/13/2016 136 Enforcement Counsel's Opposition to Respondents' Omnibus Motion In

Limine to Exclude Evidence 07/13/2016 137 Granted Subpoena of E Quinn Miller for Respondents (Under Seal) 07/15/2016 138 Respondents' Amended Disclosure of Witnesses 07/15/2016 139 Order Granting in Part and Denying in Part Respondents' Omnibus

Motion In Limine and Rulings on Respondents' Objections to Bureau's Evidence

07/15/2016 140 Order Granting In Part and Denying in Part Enforcement Counsel's Objections to Respondents' Proposed Exhibits and Witnesses


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07/15/2016 141 Order Granting Enforcement Counsel's Motion In Limine to Preclude Evidence Disputing Issues Decided and Facts Established at Summary Disposition

07/15/2016 142 Non-Party Edward N. Foster's Motion to Quash Subpoena 07/15/2016 142-A Attachment A: Memorandum in Support of Non-Party Edward N.

Foster's Motion to Quash Subpoena 07/15/2016 142-B Attachment B: Proposed Order 07/15/2016 143 Enforcement Counsel's Opposition to Motion to Quash Subpoena of

Edward N. Foster 07/15/2016 143-A Attachment A: Wheeler Declaration 07/15/2016 143-B Attachment B: Exhibit A (Under Seal) 07/15/2016 143-C Attachment C: Exhibit A (Public) 07/15/2016 143-D Attachment D: Exhibit B 07/15/2016 143-E Attachment E: Exhibit C 07/15/2016 143-F Attachment F: Exhibit D 07/15/2016 143-G Attachment G: Exhibit E 07/18/2016 144 Respondents' Amended Disclosure of Exhibits 07/18/2016 144-A Attachment A: Respondents' Amended Exhibit List 07/18/2016 145 Order Granting In Part and Denying In Part Motion to Quash Subpoena 07/18/2016 146 Prehearing Order Concerning the Status of Remaining Issues and All

Exhibits 07/28/2016 147 Enforcement Counsel's Notice of Proposed Remedy to Cure Prejudice 07/29/2016 148 Respondents' Response to Enforcement Counsel's Notice of Proposed

Remedy to Cure Prejudice 07/29/2016 149 Order Scheduling Post-Hearing Submissions 07/29/2016 150 Reporter's Official Transcript of Proceedings Hearings Volume I (Under

Seal) 07/29/2016 151 Reporter's Official Transcript of Proceedings Hearings Volume II (Under

Seal) 07/29/2016 152 Reporter's Official Transcript of Proceedings Hearings Volume III (Under

Seal) 08/05/2016 153 Respondents' Motion to Strike Testimony of Joseph Baressi 08/05/2016 153-A Proposed Order Granting Respondents' Motion to Strike Testimony of

Joseph Baressi 08/09/2016 154 Request for Additional Time to Issue Recommended Decision 08/10/2016 155 Respondents' Response to Enforcement Counsel's Submission of the July

29 2016 Declaration of Robert J Hughes 08/15/2016 156 Order Granting Enforcement Counsel’s Notice of Proposed Remedy to

Cure Prejudice 08/16/2016 157 Order Granting ALJ’s Request for Extension of Time to Issue

Recommended Decision


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08/22/2016 158 Enforcement Counsel’s Opposition to Respondents’ Motion to Strike Testimony of Joseph Baressi

08/24/2016 159 Order Directing Portions of the Transcript Sealed and Denying Request to Seal Portions

08/26/2016 160 Respondents’ Reply in Support of Motion to Strike Testimony of Joseph Baressi

08/29/2016 161 Order Granting in Part and Denying in Part Respondents’ Motion to Strike Testimony

08/29/2016 162 Enforcement Counsel’s Post Hearing Brief (Public)

08/29/2016 162-A Enforcement Counsel’s Post Hearing Brief (Under Seal)

08/29/2016 163 Enforcement Counsel’s Proposed Findings of Fact, Conclusions of Law and Order (Public)

08/29/2016 163-A Enforcement Counsel’s Proposed Findings of Fact, Conclusions of Law and Order (Under Seal)

08/29/2016 163-B Attachment A: Declaration of Robert J. Hughes

08/29/2016 164 Respondents’ Post-Hearing Brief

08/29/2016 165 Respondents’ Proposed Findings of Fact

08/29/2016 166 Respondents’ Proposed Conclusions of Law

08/29/2016 167 Respondents’ Proposed Order

09/13/2016 168 Enforcement Counsel’s Post-Hearing Responsive Brief

09/13/2016 169 Enforcement Counsel’s Response to Respondents’ Proposed Findings of Fact

09/13/2016 170 Respondents’ Opposition to Enforcement Counsel’s Post-Hearing Brief

09/14/2016 171 Respondents’ Motion to Strike Enforcement Counsel’s Findings of Fact Response

09/26/2016 172 Reporter's Official Transcript of Proceedings Hearings Volume I (Public)

09/26/2016 173 Reporter's Official Transcript of Proceedings Hearings Volume II (Public)

09/26/2016 174 Reporter's Official Transcript of Proceedings Hearings Volume III (Public)


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09/27/2016 175 Order Granting Respondents’ Motion to Strike Bureau’s Response to Respondents’ Proposed Findings of Fact

09/27/2016 176 Recommended Decision (Public Version)

09/27/2016 176-A Recommended Decision (Sealed Version)

09/28/2016 176-B Certified Docket Index

09/28/2016 176-C Enforcement Counsel’s Exhibits Index

09/28/2016 176-D Respondents’ Exhibits Index

09/30/2016 177 Respondents’ Notice of Appeal

10/12/2016 178 Enforcement Counsel’s Notice of Appeal

10/18/2016 179 Respondents’ Motion to Stay Appeal and Remand to Hearing Officer

10/18/2016 179-A Proposed Order Granting Respondents’ Motion to Stay Appeal and Remand to Hearing Officer

10/21/2016 180 Order Denying Motion to Stay Appeal and Remand to Hearing Officer

10/27/2016 181 Respondents’ Motion for Reconsideration of the Director’s Denial of Respondents’ Motion to Stay Appeal and Remand to Hearing Officer

10/27/2016 181-A Proposed Order Granting Respondents’ Motion for Reconsideration of the Director’s Denial of Respondents’ Motion to Stay Appeal and Remand to Hearing Officer

10/31/2016 182 Order Denying Respondents’ Motion for Reconsideration

11/04/2016 183 Enforcement Counsel’s Opening Appeal Brief

11/04/2016 184 Respondents’ Opening Appeal Brief

12/05/2016 185

Respondents’ Motion for Leave to Exceed Page Limit for Respondents’ Reply Brief

12/05/2016 185-A Proposed Order Granting Respondents’ Motion for Leave to Exceed Page Limit for Respondents’ Reply Brief

12/05/2016 186 Enforcement Counsel’s Answering Brief

12/05/2016 187 Declaration of Alusheyi J. Wheeler (Enforcement Counsel)


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12/05/2016 188 Respondents’ Answering Appeal Brief

12/05/2016 189 Declaration of Peter S. Frechette (Respondents’)

12/05/2016 189-A Exhibit A to the Declaration

12/05/2016 189-B Exhibit B to the Declaration

12/08/2016 190 Order Granting Respondents’ Motion for Leave to Exceed Page Limit for Respondents’ Reply Brief

12/12/2016 191 Enforcement Counsel’s Reply Brief

12/12/2016 192 Respondents’ Reply Brief on Appeal

12/14/2016 193 Order Scheduling Oral Argument

12/29/2016 194 Enforcement Counsel’s Unopposed Motion to Allow Two Attorneys to Argue

12/29/2016 194-A Proposed Order Granting Enforcement Counsel’s Unopposed Motion to Allow Two Attorneys to Argue

1/03/2017 195 Order Granting Enforcement Counsel’s Unopposed Motion to Allow Two Attorneys to Argue

1/09/2017 196 Respondents’ Letter to A. Wheeler

1/09/2017 197 Respondents’ Notice of Supplemental Authority

1/09/2017 197-A Exhibit A

1/13/2017 198 Respondents’ Request to Submit Supplemental Briefing

1/13/2017 198-A Proposed Order Granting Respondents’ Request to Submit Supplemental Briefing

1/24/2017 199 Order Granting Respondents’ Request to Submit Supplemental Briefing

2/08/2017 200 Joint Tolling Agreement – June 2, 2014

2/08/2017 201 Joint Tolling Agreement – March 16, 2015

2/08/2017 202 Enforcement Counsel’s Supplemental Brief


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2/08/2017 203

Respondents’ Post-Oral Argument Brief

3/09/2017 204 Order Directing Parties to Respond

3/24/2017 205 Enforcement Counsel’s Objection to Withdrawal of the 3Notice

3/24/2017 206 Respondents’ Response to Director’s Order Directing Parties to Respond

3/24/2017 207 Change of Address Notice

3/31/2017 208 Order Directing OAA to Withdraw Notice

3/08/2018 209 Enforcement Counsel’s Notice of Ex Parte Communication

3/08/2018 209-A Exhibit to the Letter

3/15/2018 210 Order Directing OAA to Maintain Current Status and Cautioning Prohibition on Ex Parte Communications Remain

7/12/2018 211 Order Directing Parties to Respond

8/14/2018 212 Joint Statement of the Parties

9/12/2018 213 Order Directing Parties to Provide Additional Briefing

10/04/2018 214 Respondents’ Opening Brief Responding to Acting Director’s Order

10/25/2018 215 Enforcement Counsel’s Brief Responding to Acting Director’s Order

5/29/2019

216 Order Directing a Remand to the Bureau’s Administrative Law Judge

6/03/2019 217 Order Directing Parties to Identify Issues for Remand Hearing

6/19/2019 218 Notice of Appearance - Clark

6/19/2019 219 Notice of Appearance - Jacques

6/19/2019 220 Enforcement Counsel’s Notice of Withdrawal of Appearances

6/19/2019 221 Joint Statement


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6/24/2019 222 Order Granting Extension for Status Update

7/18/2019 223 Notice of Appearance - Zack

7/18/2019 224 Notice of Appearance - Schwartz

7/18/2019 225 Notice of Appearance - Tuttle

7/19/2019 226 Joint Status Update

7/24/2019 227 Scheduling Conference Order

8/14/2019 228 Joint Proposed Pre-Hearing Schedule

8/14/2019 229 Motion to Open Record for New Hearing

8/14/2019 229-A Memorandum of Law ISO Motion to Open Record for New Hearing

8/14/2019 229-B Proposed Order re Motion to Open Record for New Hearing

8/23/2019 230 Notice of Appearance - Romeo

8/23/2019 231 Joint Statement re Fact Development of SOL Defense

8/23/2019 232 Request for Issuance of Subpoena to CFPB

8/23/2019 232-A Exhibit A

8/30/2019 233 Scheduling Order

9/11/2019 234 Joint Update on Fact Development Regarding Statute of Limitations Issue

9/18/2019 235 Enforcement Counsel’s Brief Addressing the Completeness of the Factual Record on Respondents’ Statute of Limitations Defense

10/04/2019 236 Respondents’ Brief in Support of Further Discovery on the Statute of Limitations Issue

10/15/2019 237 Enforcement Counsel’s Reply Brief Addressing the Completeness of the Factual Record on Respondents’ Statute-of-Limitations Defense

10/28/2019 238 Order Denying Further Discovery on Statute of Limitations Issue


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11/15/2019 239 Respondents' Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2019 Order - Oral Argument Requested

11/15/2019 240 Respondents’ Statement of Undisputed Facts ISO Their Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2019 Order

11/15/2019 241 Declaration of Richard J. Zack ISO Respondents’ Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2019 Order

11/15/2019 241-A Exhibit A (Public)

11/15/2019 241-B Exhibit B (Public)

11/15/2019 241-C Exhibit C (Public)

11/15/2019 241-D Exhibit A (Under Seal)

11/15/2019 241-E Exhibit B (Under Seal)

11/15/2019 241-F Exhibit C (Under Seal)

12/06/2019 242 Enforcement Counsel’s Opposition to Respondents’ Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2019 Order

12/06/2019 243 Enforcement Counsel’s Statement Regarding Respondents’ Statement of Undisputed Facts ISO Their Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2109 Order

12/10/2019 244 Addendum to Respondents’ Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2109 Order

12/13/2019 245 Respondents’ Reply Brief ISO Their Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2019 Order

1/02/2020 246 Order Granting Oral Argument on Respondents’ Pending Motion

1/09/2020 247 Respondents' Supplemental Letter Following Oral Argument on Respondents' Motion to Dismiss and/or for Summary Disposition

1/15/2020 248 Enforcement Counsel's Response to Respondents' Supplemental Letter Following Oral Argument on Respondents' Motion to Dismiss and/or for Summary Disposition

1/24/2020 249 Order Denying Respondents' Motion to Dismiss and/or For Summary Disposition on Grounds Limited to October 28, 2019 Order and Denying Respondents' Request for Additional Discovery

2/06/2020 250 Joint Proposed Schedule


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2/07/2020 251 Scheduling Order

2/19/2020 252 Respondents’ Motion to Stay Proceedings

2/19/2020 253 Respondents’ Motion to Dismiss on Grounds Limited to February 7, 2020 Order

3/04/2020 254 Enforcement Counsel’s Consolidated Opposition to Respondents’ Motion to Dismiss and Motion to Stay Proceedings

3/04/2020 254-A Exhibit A

3/04/2020 254-B Exhibit B

3/06/2020 255 Notice of Procedural Status and Request for Additional Time to Issue Recommended Decision

3/10/2020 256 Respondents’ Consolidated Reply Brief in Support of their Motion to Dismiss on Grounds Limited to February 7, 2020 Order and their Motion to Stay Proceedings

3/13/2020 257 Order Denying Motions to Stay and Dismiss

3/13/2020 258 Scheduling Order for Issues in Respondents’ August 14, 2019 Motion

3/26/2020 259 Respondents’ Motion to Amend Answer

3/26/2020 259-A Exhibit A

3/26/2020 260 Respondents’ Motion to Dismiss

3/26/2020 261 Respondents’ Supplemental Brief in Support of their Motion to Open Record for a New Hearing

3/27/2020 262 Order Granting in Part the ALJs Request for Additional Time to Issue the Recommended Decision

4/09/2020 263 Enforcement Counsel’s Opposition to Respondents’ Motion to Open Record for New Hearing

4/09/2020 264 Enforcement Counsel’s Consolidated Opposition to Respondents’ Motion to Dismiss and Respondents’ Motion to Amend Answer

4/15/2020 265 Respondents’ Consolidated Reply Brief in Support of their Motion to Dismiss, Motion to Amend, and Supplemental Brief in Support of Motion to Open Record for a New Hearing

4/24/2020 266 Scheduling Order Motions for Summary Disposition

4/24/2020 267 Order Denying Respondents’ Motion to Amend Answer


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4/24/2020 268 Order Denying Respondents’ Motion to Dismiss

4/24/2020 269 Order Denying in Part Respondents’ Motion to Open Record for a New Hearing

4/28/2020 270 Enforcement Counsel’s Unopposed Motion to Modify the Briefing Schedule

4/28/2020 270-A Proposed Order

4/29/2020 271 Revised Scheduling Order Motions for Summary Disposition

5/15/2020 272 Respondents’ Motion for Summary Disposition

5/15/2020 273 Respondents’ Statement of Undisputed Facts ISO Their Motion for Summary Disposition

5/15/2020 274 Declaration of Richard J. Zack ISO Respondents’ Motion for Summary Disposition

5/15/2020 274-A Exhibits to the Declaration

5/15/2020 275 Enforcement Counsel’s Motion for Summary Disposition

5/15/2020 276 Enforcement Counsel’s Memorandum of Points and Authorities ISO its Motion for Summary Disposition

5/15/2020 276-A Attachment A: Enforcement Counsel’s Memorandum of Points and Authorities ISO its Motion for Summary Disposition (Under Seal)

5/15/2020 277 Enforcement Counsel’s Statement of Material Facts ISO its Motion for Summary Disposition

5/15/2020 277-A Attachment A: Enforcement Counsel’s Statement of Material Facts ISO its Motion for Summary Disposition

6/04/2020 278 Respondents’ Brief in Opposition to Enforcement Counsel’s Motion for Summary Disposition

6/04/2020 279 Respondents’ Statement of Disputed Facts in Opposition to Enforcement Counsel’s Motion for Summary Disposition

6/04/2020 280 Declaration of Richard J. Zack in Opposition to Enforcement Counsel’s Motion for Summary Disposition

6/04/2020 280-A Exhibit 1 to the Declaration

6/04/2020 281 Enforcement Counsel’s Opposition to Respondents’ Motion for Summary Disposition

6/04/2020 282 Enforcement Counsel’s Response to Respondents’ Statement of Undisputed Facts in Support of Their Motion for Summary Disposition


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6/10/2020 283 Respondents’ Reply Brief in Support of their Motion for Summary Disposition

6/10/2020 284 Enforcement Counsel’s Reply in Support of Its Motion for Summary Disposition

7/06/2020 285 Respondents’ Notice of Supplemental Authority and Request for Reconsideration

7/06/2020 285-A Exhibit A

7/20/2020 286 Enforcement Counsel’s Opposition to Respondents’ Request for Reconsideration

7/23/2020 287 Respondents’ Reply Brief in Support of Notice of Supplemental Authority and Request for Reconsideration

8/03/2020 288 Order Granting Respondents’ Request for Reconsideration in Part and Denying Respondents’ Motion to Dismiss

8/04/2020 289 Revised Notice of Appearance for Richard J. Zack

8/04/2020 290 Revised Notice of Appearance for Michael A. Schwartz

8/04/2020 291 Revised Notice of Appearance for Christen M. Tuttle

8/04/2020 292 Revised Notice of Appearance for Saverio S. Romeo

8/04/2020 293 Hon. Christine L. Kirby’s Recommended Decision

8/04/2020 293-A Certified Docket Sheet


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CERTIFICATION INDEX/RECORD

I hereby certify that this constitute the entire case file of record in this matter, to the best of my knowledge and belief.

________________________Jameelah MorganDocket ClerkOffice of Administrative AdjudicationBureau of Consumer Financial Protection

Signed and dated on this 4th day of August 2020at Washington, D.C.

JameelahMorgan

Digitally signed by Jameelah Morgan Date: 2020.08.04 16:54:17 -04'00'
