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July 16, 2019 James M. Weiss
Posted in  Per Se Violations

In Alleging Unfair Mortgage Practices, Can a Pro Se Plaintiff Survive a Motion to Dismiss without Raising a Per Se Violation?

This post revisits litigation over the federal Home Affordable Mortgage Program, known as HAMP. Several years ago, in a pair of posts, we studied the application of N.C. Gen. Stat. § 75-1.1 to a lender’s conduct under this mortgage program. HAMP doesn’t provide a private right of action, so borrowers needed […]

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June 25, 2019 Thomas H. Segars
Posted in  Substantial Aggravating Circumstances

Udderly Insufficient: A “Clerical Error” that Meant Catastrophe for a Cattle Breeder Was Not a “Substantial Aggravating Factor”

Sometimes small errors can have big consequences. According to a recent Fourth Circuit decision, big consequences do not turn small errors into unfair or deceptive trade practices. Edwards v. Genex Cooperative, Inc. considered a section 75-1.1 claim based on a breach of contract accompanied by “substantial aggravating factors.” Parties to […]

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May 21, 2019 Thomas H. Segars
Posted in  75-1.1 Exemptions

Litigating [In]Securities: How Conduct Standards Intersect with the Securities Exemption’s Rationale

Today’s post examines an intersection of two familiar topics: (1) the “conduct standards” by which conduct is judged to be “unfair,” and (2) the “pervasively regulated conduct” rationale for section 75-1.1’s securities exemption. Robichaud v. Engage2Excel, Inc., a new decision from the U.S. District Court for the Western District of […]

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