Legal Opinion
Reynolds v. Hartford Financial Services Group, Inc.
Court of Appeals for the Ninth Circuit
Decided October 3, 2005No. 03-35695, 04-35279PublishedCited by 1 opinion
1Opinion of the Court
REINHARDT, Circuit Judge.
Under the Fair Credit Reporting Act (“FCRA”), insurance companies are required to send adverse action notices to consumers whenever they increase the rates for insurance on the basis of information contained in consumer credit reports. 15 U.S.C. §§ 1681a(k)(l)(B)(i), 161m(a)).1 The principal question before us is straightforward: Does FCRA’s adverse action notice requirement apply to the rate first charged in an initial policy of insurance? We hold that the answer is yes: The Act requires that an insurance company send the consumer an adverse action notice whenever a…
2Cases cited24 opinions
- Chevron U. S. A. Inc. v. Natural Resources Defense Council, Inc.Supreme Court of the United States · 1984
- Trans World Airlines, Inc. v. ThurstonSupreme Court of the United States · 1985
- Hazen Paper Co. v. BigginsSupreme Court of the United States · 1993
- McLaughlin v. Richland Shoe Co.Supreme Court of the United States · 1988
- Hartford Underwriters Insurance v. Union Planters Bank, N. A.Supreme Court of the United States · 2000
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3Cited by1 opinion
- Jason Ray Reynolds Matthew Rausch v. Hartford Financial Services Group, Inc. Hartford Fire Insurance Company, Ajene Edo v. Geico Casualty Company, and Geico General Insurance Company Geico Indemnity Company Government Employees Insurance Company, Subsidiaries of Geico CorporationCourt of Appeals for the Ninth Circuit · 2005