Legal Opinion

CBC Companies, Inc. v. Equifax, Inc.

Court of Appeals for the Sixth Circuit

Decided April 2, 2009No. 08-3261PublishedCited by 10 opinions

1Opinion of the Court

OPINION

COOK, Circuit Judge.

The Federal National Mortgage Association (“Fannie Mae”) and the Federal Home Loan Mortgage Corporation (“Freddie Mac”) regulate the residential mortgage-loan industry by requiring mortgage brokers and lenders to consider a consumer’s credit information before approving loans. Specifically, federal regulations require brokers and lenders to purchase data from each of the three nationwide consumer reporting agencies (“NCRAs”) — Experi-an, Ltd., TransUnion LLC, and Equifax, Inc. Plaintiffs CBC Companies, Inc. and CBC Innovis, Inc. (collectively, “CBC”) are resellers —…

2Cases cited11 opinions

  1. Bell Atlantic Corp. v. TwomblySupreme Court of the United States · 2007
  2. Atlantic Richfield Co. v. USA Petroleum Co.Supreme Court of the United States · 1990
  3. Cargill, Inc. v. Monfort of Colorado, Inc.Supreme Court of the United States · 1986
  4. Total Benefits Planning Agency, Inc. v. Anthem Blue Cross & Blue ShieldCourt of Appeals for the Sixth Circuit · 2008
  5. Verizon Communications Inc. v. Law Offices of Curtis v. Trinko, LLPSupreme Court of the United States · 2004

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3Cited by10 opinions

  1. Yanise Germain v. Teva Pharmaceuticals, USA, IncCourt of Appeals for the Sixth Circuit · 2014
  2. Static Control Components, Inc. v. Lexmark International, Inc.Court of Appeals for the Sixth Circuit · 2012
  3. Wee Care Child Center, Inc. v. LumpkinCourt of Appeals for the Sixth Circuit · 2012
  4. Hurley v. National Basketball Players AssociationDistrict Court, N.D. Ohio · 2021
  5. Jorge Vasquez Mederos v. Christopher Bullock, Field Office Director of U.S. Immigration and Customs Enforcement, New Orlean Field OfficeDistrict Court, W.D. Tennessee · 2026

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