HO vs RECONTRUST COMPANY, N.A., | CFPB Amicus Brief - Foreclosure Trustees Are Debt Collectors Under the FDCPA

No. 10-56884 IN THE UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT ___________________________________________ VIEN-PHUONG THI HO, Plaintiff-Appellant, v. RECONTRUST COMPANY, N.A., ET AL., Defendants-Appellees. ___________________________________________ On Appeal from the United States District Court for the Central District of California Hon. George H. Wu Case No. 2:10-cv-00741 _______________________________________________________ BRIEF OF AMICUS CURIAE CONSUMER FINANCIAL PROTECTION BUREAU IN SUPPORT OF APPELLANT AND REVERSAL _______________________________________________________ Meredith Fuchs General Counsel To-Quyen Truong Deputy General Counsel John R. Coleman Assistant General Counsel Nandan M. Joshi Thomas M. McCray-Worrall Attorneys Consumer Financial Protection Bureau 1700 G Street, NW Washington, D.C. 20552 (202) 435-9683 (telephone) (202) 435-7024 (facsimile) thomas.mccray-worrall@cfpb.gov Counsel for Amicus Curiae Consumer Financial Protection Bureau QUESTIONS PRESENTED Pursuant to this Court’s Order of June 8, 2015, this brief addresses “whether, in this case, defendant ReconTrust is a ‘debt collector’ for the purposes of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., or its implementing regulations” and “[i]n general . . . whether a trustee who forecloses on a California deed of trust in a non-judicial action qualifies as a ‘debt collector’ because he has ‘attempt[ed] to collect, directly or indirectly, debts owed or asserted to be owed or due to another.’” See ECF No. 67 at 1–2 (quoting 15 U.S.C. § 1692a(6)) (second bracketed text in original). [...]