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Alan Kaplinsky

Ballard Spahr LLP

Alan S. Kaplinsky is a senior partner in the Business and Finance Department at Ballard Spahr LLP and Chair of the Consumer Financial Services Group. He is also a member of the Higher Education, Mortgage Banking, and Bank Regulation and Supervision Groups.

Recent Posts


Supreme Court to Hear Case on Statutory Damages Without Actual Harm; Could Impact FDCPA Cases

The U.S. Supreme Court has agreed to hear an important case that will decide whether a plaintiff who cannot show any actual harm from a violation of the FCRA nevertheless has standing to sue for statutory damages in federal court. The consequences of the decision will likely extend significantly beyond FCRA litigation and affect numerous other statutes, including the FDCPA and TCPA .

States Begin to Use UDAAP Provision in Enforcement Actions

Last week, the head of the New York Department of Financial Services (DFS) became the first state regulator to use his authority under Dodd-Frank Section 1042 to bring a civil action for a violation of its prohibition of unfair, deceptive, or abusive acts or practices (UDAAP). Just last month, the Illinois Attorney General became the first state attorney general to file a state court lawsuit under this section of the law.

Circuit Court Rules Against Debt Collector in TCPA Case on Reassigned Cell Number

The Seventh Circuit agreed to hear the issue after the district judge certified it for interlocutory review in the plaintiffs’ class action case (which followed the judge’s certification of a class with the plaintiffs as its representatives). The Seventh Circuit’s decision is the first by a federal appellate court on the issue, with the court noting in its opinion that the absence of appellate court authority was a major factor in its decision to hear the appeal.