Crystal Carpenter v. Opportunity Financial, LLC

NOT FOR PUBLICATION FILED

UNITED STATES COURT OF APPEALS MAR 21 2024

MOLLY C. DWYER, CLERK

U.S. COURT OF APPEALS

FOR THE NINTH CIRCUIT

CRYSTAL CARPENTER, an individual on No. 23-55553 behalf of herself, the public, and all persons similarly situated; JORDAN CASON, an D.C. No. individual on behalf of herself, the public, 2:21-cv-09875-FLA-E and all persons similarly situated,

Plaintiffs-Appellees, MEMORANDUM*

v.

OPPORTUNITY FINANCIAL, LLC, a limited liability company,

Defendant-Appellant,

and

JOHN DOES, 1-10,

Defendant.

Appeal from the United States District Court for the Central District of California Fernando L. Aenlle-Rocha, District Judge, Presiding

Argued and Submitted February 13, 2024 Pasadena, California

* This disposition is not appropriate for publication and is not precedent except as provided by Ninth Circuit Rule 36-3. Before: CALLAHAN and IKUTA, Circuit Judges, and LASNIK,** District Judge.

Crystal Carpenter and Jordan Cason (collectively, “Carpenter”) entered into

loan agreements with FinWise Bank that are serviced by Opportunity Financial

LLC (“OppFi”). The…