TILA 3 Years to Rescind: D. Minn. Reversed

… reversed the District Court’s grant of summary judgment in favor of the Plaintiff Rand. In this economic climate, lenders have faced and will continue to face significant headwinds when matched against borrowers’ TILA claims, even more so when the loans are high interest so-called HOEPA loans, such as the one in this case. Rand Corp. v. Moua, et al., 8th Circuit Court File No. 07-2544. … Continue reading

Judge Schiltz Takes a Swing at the Gordian Knot of TILA Rescission

As discussed previously Minnesota Litigator nearly a year ago, Margaret Coleman was enticed into a bad deal — a high interest loan secured by a mortgage on her house — except that Coleman had a viable claim against the lender for a violation of the Truth in Lending Act (“TILA”).  In the original December, 2009 post, however, Minnesota Litigator highlighted the next challenging step in Coleman’s lawsuit against First… Continue reading

Rand v. Moua: The Other Shoe Drops

In a Truth-in-Lending Act (TILA) case covered previously on this blog, the lender lost on a TILA rescission claim before the 8th Circuit (which had reversed the District Court (D. Minn.)). Pursuant to the Eighth Circuit’s mandate, late last week, the lender/plaintiff, Rand, was ordered to pay defendants attorney’s fees (Amber Hawkins, John Tancabel) in the amount of $121,142.50 (and costs in the amount of $933.12). Collecting on the j… Continue reading

Schedin v. Johnson & Johnson, et al. Heading to The 12-Person Jury

…s of the drug, an antibiotic. Levaquin included a warning but sometime after Schedin’s incident, the warning was changed and made more prominent (made into a “black box” warning in 2008).  Subsequent warning label changes would be a classic “subsequent remedial measure” inadmissible at trial if it were not for the fact that the label change was mandated by the FDA, U.S. District Court Judge John R. Tunheim has held. … Continue reading

The Simple Claim of a Harmful Side Effect/The Complexity of Federal Preemption of State Law Claims

The interesting fact pattern that gives rise to the problem in this case is what are the duties of a generic drug manufacturer if, after a drug’s initial federal approval (and approval (and then mandated use) of a specific warning label), new information comes to light about potentially harmful side effects?  Can a claim be brought against the manufacturer under state law for failure to warn? Gloria Mensing took a medicine, MCP, a gene… Continue reading

Several Hundred Dollars To Treat Your Trees Followed By Dead Trees?

…njection regimen for a treasured oak or multiple oaks on your property to prevent oak wilt disease, only to have your tree die from oak wilt notwithstanding the hundreds of dollars (or more) spent on flare root injection? One label on branded propiconazole says,  “Preventive application is more effective than therapeutic treatment.”  Some companies that “administer” the flare root injections do so with a guaranty or warran… Continue reading

Levaquin Trial Begins Monday, November 15 Before U.S. District Court Judge Tunheim (D. Minn.)

…n that would have negatively affected levofloxacin sales in both Europe and the United States.  Over the past decade, there appears to have been increased concern about these medications and the communication of risk on their labels.  The label warnings have been increasingly emphatic.  Plaintiffs’ theories seem to be, in a nutshell, that the drug companies knew of the medicine’s risks and have steadfastly tried to understate or de-em… Continue reading

Alamo® (propiconazole) to “Prevent” Fatal Oak Wilt Infection? Really??

Were you sold a flare root injection regimen for a treasured oak or multiple oaks on your property to prevent oak wilt disease, only to have your tree die from oak wilt notwithstanding the hundreds of dollars (or more) spent on flare root injection? One label on branded propiconazole says,  “Preventive application is more effective than therapeutic treatment.”  Some companies that “administer” the flare root injections d… Continue reading

What Is the Trigger For Punitive Damages in Pharmaceutical/Medical Device Cases?

…rm or illness? As a first line of defense, pharmaceuticals and device manufacturers seek protection under federal regulation but there are ways for such manufacturers to game that system (by promoting, for example, “off label” uses or, theoretically, by duping federal regulators by other means (i.e., concealing or distorting data as to efficacy or side effects)). So the FDA may afford medical companies some protection, but that protec… Continue reading

A Christmas Story from the District of Minnesota

Plaintiff Margaret J. Coleman is a 68-year-old woman who lives with her 15-year-old granddaughter, a 19-year-old woman with special needs, and 22-year-old who was formerly her foster child in a single family home she has owned for nearly 40 years. That is, she has lived there for an awfully long time but a lender allegedly coaxed her into a loan she could not possibly afford, secured by a mortgage that put her continued stay in her home in doub… Continue reading

Minnesota Business Torts Deskbook Seminar

…es on the Truth-in-Lending Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Minnesota usury statute. There have not been major developments in these areas, with the arguable exception of the TILA, under which Regulation Z has been amended with most changes to take effect in October, 2009. Areas not covered in my chapter but related in which there have been significant changes: Minnesota law regarding mortgage or… Continue reading