de la Torre v. CashCall, Inc.
Opinion
Lead Opinion
Mariajames, J.
Re: Dkt. Nos. 159, 166, 175
ORDER RE: MOTIONS FOR SUMMARY JUDGMENT
INTRODUCTION
Pending before the Court are the Motions for Summary Judgment filed by Defendant CashCall, Inc. regarding Plaintiffs Eduardo de la Torre and Lori Kempley’s 1 (“Plaintiffs”) Conditioning Claim (“Def. Condit. Mot.,” Dkt. No. 159) and Uncon-scionability Claim (“Unc. Mot.,” Dkt. No 166). Also pending is Plaintiffs’ Cross-Motion for Partial Summary Judgment on the Conditioning Claim and California Business and Professions Code section 17200 (“UCL”) Unfair Competition Claim (“Pl. Condit. Mot.,” Dkt. No. 175). The Court held oral argument on these matters on April 3, 2014. Having considered the parties’ briefing and oral arguments, relevant legal authority, and the record in this case, the Court: (1) DENIES CashCall’s Motion on the Conditioning Claim; (2) DENIES CashCall’s Motion on the Uncon-scionability Claim; and (3) GRANTS Plaintiffs’ Cross-Motion on the EFTA violation for the reasons set forth below.
FACTUAL BACKGROUND
A. Introduction
CashCall makes high interest unsecured personal loans to qualifying consumers. Holland Deck, ¶ 2, Dkt. No. 173. On July 1, 2008, Plaintiffs initiated this class…