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Tag Archives: Song-Beverly Credit Card Act

Use the “Consumer” in Consumer Class Actions to Defeat Certification

Posted in Ascertainability, Class Certification, Predominance, Typicality

Plaintiffs routinely bring consumer class actions under statutes that allow only consumers—not businesses—to bring claims, or that are limited to transactions solely for personal or household purposes. See, e.g., Electronic Funds Transfer Act, 15 U.S.C. § 1693a(2); Real Estate Settlement Procedures Act, 12 U.S.C. § 2606(a)(1); California’s Consumer Legal Remedies Act, Cal. Civ. Code §… Continue Reading

Where Will the Zip Code Class Actions Be Filed Next?

Posted in Class Action Trends

Over the past two years, a big growth area for plaintiffs’ lawyers has been cases challenging the use of zip codes or other identifying information by merchants that process credit-card transactions. In 2011, the California Supreme Court held in Pineda v. Williams-Sonoma Stores that a zip code constitutes “personal identification information” under California’s Song-Beverly Credit… Continue Reading