United States Third Circuit

The adverse action notice provisions of the Fair Credit Reporting Act (FCRA) apply to the actions of a company that provides mortgage guaranty insurance to a mortgage lender at a premium rate that is determined, in part, by information in the mortgage borrower's credit report.

Appellate Information

• Argued 01/19/2007
• Decided 08/30/2007
• Published 08/30/2007

Judges

• Before: SLOVITER, RENDELL, and CUDAHY, Circuit Judges.

Court

• United States Third Circuit

Counsel

• For Appellant:
  
• Joseph C. Kohn, Christina D. Saler, Kohn, Swift & Graf, P.C., Philadelphia, PA, Terry A. Smiljanich (Argued), Kathleen Clark Knight, Tamra C. Givens, James, Hoyer, Newcomer & Smiljanich, P.A., Tampa, FL, for Appellants., William Blumenthal, General Counsel, John F. Daly, Deputy General Counsel for Litigation, Lawrence DeMille-Wagman (Argued), Federal Trade Commission, Washington, DC, for Amicus Curiae, Federal Trade Commission in Support of Appellants.


• For Appellees:
  
• David Smith (Argued), Nancy Winkelman, Theresa E. Loscalzo, Jessica W. Troiano, Schnader Harrison Segal & Lewis LLP, Philadelphia, PA, for Appellee., Jeremiah S. Buckley, Matthew P. Previn, Jonathan D. Jerison, Kirk D. Jensen, Buckley Kolar, LLP, Washington, DC, for Amici Curiae, Mortgage Insurance Companies of America and Mortgage Bankers Association, and Consumer Mortgage Coalition in Support of Appellee.