{"ID":55885,"name":"CompuCredit Corp. v. Greenwood","href":"https:\/\/api.oyez.org\/cases\/2011\/10-948","view_count":0,"docket_number":"10-948","additional_docket_numbers":null,"manner_of_jurisdiction":"Writ of \u003Ci\u003Ecertiorari\u003C\/i\u003E","first_party":"CompuCredit Corporation, et al.","second_party":"Wanda Greenwood, et al.","timeline":[{"event":"Granted","dates":[1304312400],"href":"https:\/\/api.oyez.org\/case_timeline\/case_timeline\/41018"},{"event":"Argued","dates":[1318309200],"href":"https:\/\/api.oyez.org\/case_timeline\/case_timeline\/41019"},{"event":"Decided","dates":[1326175200],"href":"https:\/\/api.oyez.org\/case_timeline\/case_timeline\/41020"}],"lower_court":{"ID":5,"name":"United States Court of Appeals for the Ninth Circuit","href":"https:\/\/api.oyez.org\/taxonomy\/term\/5"},"facts_of_the_case":"\u003Cp\u003ECompuCredit marketed a subprime credit card under the brand name Aspire Visa to consumers with low or weak credit scores through massive direct-mail solicitations and the Internet. CompuCredit marketed the card and the cards were issued by Columbus Bank and Trust. Wanda Greenwood and other consumers filed suit against Compucredit and Columbus alleging violations of California\u0027s Unfair Competition Law (UCL). The lawsuit claimed that the CompuCredit and Columbus\u0027 promotional materials were deceptive because they mentioned the credit card fees in small print, buried in other information and not in proximity to the representation that no deposit was required.\u003C\/p\u003E\n\u003Cp\u003EThe United States District Court for the Northern District of California denied the credit providers\u0027 motion to compel arbitration. The United States Court of Appeals for the Ninth Circuit affirmed. The majority explained that a party must adhere to an agreement to arbitrate claims \u0022unless Congress itself has evinced an intention to preclude a waiver of judicial remedies for the statutory rights at issue.\u0022 Accordingly, the \u0022burden is on the party opposing arbitration to show that Congress intended to preclude a waiver of judicial remedies.\u0022\u003C\/p\u003E\n","question":"\u003Cp\u003EAre claims arising under the Credit Repair Organizations Act, 15 U.S.C. \u00a7 1679 et seq., subject to arbitration pursuant to a valid arbitration agreement?\u003C\/p\u003E\n","conclusion":"\u003Cp\u003EYes. In an 8-1 decision, Justice Antonin Scalia held that the disclosure provision of the Credit Repair Organizations Act (\u0022CROA\u0022) does not supply consumers with a right to bring an action in a court of law. Rather, it merely imposes an obligation on credit repair organizations to give consumers a specific statement of legal rights described in the statute; the only consumer right it creates is the right to receive this statement. Justice Scalia rejected Greenwood\u0027s contention that the CROA overrides the Federal Arbitration Act\u0027s (\u0022FAA\u0022) requirement that courts enforce arbitration agreements. He cited cases where the Court held that a formulation of a cause of action did not establish a congressional command to override the FAA.\u003C\/p\u003E\n\u003Cp\u003EJustice Scalia also argued that even if the CROA creates a nonwaivable right to judicial enforcement, this could include a judicial action involving initial adjudication through arbitration. He noted that arbitration agreements were commonplace when the CROA was enacted in 1996, and reasoned that congress would surely have been less obtuse if it intended to override all arbitration agreements with credit repair organizations.\u003C\/p\u003E\n\u003Cp\u003EJustice Sonia Sotomayer concurred, joined by Justice Elena Kagan. Justice Sotomayer argued that Greenwood and CompuCredit\u0027s interpretations of the CROA were equally compelling given the lack of clear congressional intent. Hence, precedent requires that CompuCredit prevails, because the burden of showing congress disallowed arbitration lies with Greenwood. She also, however, rejected the majority\u0027s notion that congress must speak so explicitly to preclude arbitration of statutory claims.\u003C\/p\u003E\n\u003Cp\u003EJustice Ruth Ginsburg dissented, rejecting the majority\u0027s formalistic interpretation of the CRO; here, congress\u0027 intended target was vulnerable consumers likely to read the words \u0022right to sue\u0022 to mean the right to litigate in court. She distinguished the case from other decisions holding that a statutory right of action does not preclude arbitration agreements, noting that the CROA specifically refers to a \u0022right to sue\u0022, mandates that consumers be informed of this right, and precludes the waiver of any \u0022right\u0022 conferred by the act.\u003C\/p\u003E\n","advocates":[{"advocate":{"ID":36378,"name":"Michael W. 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