Madden v. Midland Funding, LLC

STRAUB, Circuit Judge:

This putative class action alleges violations of the Fair Debt Collection Practices Act (“FDCPA”) and New York’s usury law. The proposed class representative, Saliha Madden, alleges that the defendants violated the FDCPA by charging and attempting to collect interest at a rate higher than that permitted under the law of her home state, which is New York. The defendants contend that Madden’s claims fail as a matter of law for two reasons: (1) state-law usury claims and FDCPA claims predicated on state-law violations against a national bank’s assignees, such as the…