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The Supreme Court’s decision in TransUnion LLC v. Ramirez, U.S., 2021 WL 2599472 (U.S. June 25, 2021) will change the way that federal courts analyze standing. This session considers the impact of the decision on claims brought under the Fair Debt Collection Practices Act (FDCPA). Familiarity with FDCPA litigation and the Ramirez decision is recommended.

For more background about the holding in Ramirez, please see TransUnion v. Ramirez – Part I: What does the Supreme Court’s decision mean for your FCRA practice.

This webinar was sponsored by the National Association of Consumer Advocates, the National Consumer Law Center, and Public Justice.

What You will Learn

  • How to establish standing in FDCPA cases after Ramirez.
  • How the Ramirez decision alters the approach to standing established by the Supreme Court in Spokeo


James Francis (Muhlenberg College, B.A. 1992; Temple University, J.D. 1995) has focused on consumer protection litigation, concentrating on the FCRA, FDCPA, and consumer class actions. He was trial counsel in the Ramirez case, argued the seminal FCRA case of Cortez v. TransUnion before the 3rd Circuit Court of Appeals, was certified to serve as Class counsel in over thirty class actions, was involved in the trial of two class actions to verdict and has received some of the largest FCRA settlements in history.

Cassandra P. Miller is a Partner at Edelman Combs Latturner & Goodwin, LLC, specializing in the practice of consumer law – both individual and class action litigation. She has been appointed class counsel in numerous federal class actions that have resulted in significant recovery to consumers. Cassandra has spent her legal career helping consumers subjected to unfair and abusive debt collection efforts; helping consumers correct credit reporting errors; and protecting individuals from deceptive business practices.

Dick Rubin, Of Counsel to Gupta Wessler PLLC, is a nationally preeminent consumer law expert and appellate advocate whose string of victories in the federal courts of appeals has helped set the contours of current federal consumer protection law, particularly with respect to debt collection practices and credit reporting. For the past 30 years, Dick has limited his practice to handling federal appeals arising under federal consumer protection statutes. During this period of concentration on appellate advocacy, Dick has appeared before the court of appeals for almost every federal circuit.