Cfpb

FOR PUBLICATION

UNITED STATES COURT OF APPEALS

FOR THE NINTH CIRCUIT

CONSUMER FINANCIAL PROTECTION Nos. 18-55407

BUREAU, 18-55479

Plaintiff-Appellant/ Cross-Appellee, D.C. No. 2:15-cv-07522- v. JFW-RAO

CASHCALL, INC.; WS FUNDING,

LLC; DELBERT SERVICES OPINION

CORPORATION; J. PAUL REDDAM,

Defendants-Appellees/ Cross-Appellants.

Appeal from the United States District Court for the Central District of California John F. Walter, District Judge, Presiding

Argued and Submitted September 9, 2019 Submission Withdrawn October 21, 2019 Argued and Resubmitted September 23, 2021 Pasadena, California

Filed May 23, 2022

Before: John B. Owens, Ryan D. Nelson, and Eric D. Miller, Circuit Judges.

Opinion by Judge Miller SUMMARY *

Consumer Financial Protection Act / Consumer Financial Protection Bureau

The panel affirmed the district court’s judgment finding CashCall, Inc., its CEO, and several affiliated companies liable for a deceptive loan scheme; and vacated the district court’s order imposing a civil penalty of $10.3 million and declining to order…