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Lawrence v. Bayview Loan Servicing, LLC

Citation: 666 F. App'x 875Docket: No. 16-11116

Court: Court of Appeals for the Eleventh Circuit; December 21, 2016; Federal Appellate Court

Narrative Opinion Summary

In this case, the appellant challenged the District Court's grant of summary judgment in favor of Bayview Loan Servicing, LLC, regarding claims of unlawful autodialed calls to his mobile phone under the Telephone Consumer Protection Act (TCPA). The appellant argued that the court erred by concluding that his inclusion of his cell phone number in communications constituted consent, despite his attempts to revoke it. Procedurally, the case involved a series of oral revocations of consent followed by continued communication where the appellant did not explicitly limit the use of his phone number. The court found that by providing his cell number during loan dealings, he consented to automated calls, and this consent was not effectively revoked through his communications. The court ruled that his actions in providing his number without limitations reaffirmed consent, aligning with TCPA standards that do not prescribe a specific method for revocation. The case further examined the scope of consent and its renewal through subsequent actions, ultimately affirming the summary judgment due to the lack of a genuine issue of material fact. The appeal's outcome left Bayview not liable for most calls, except for a few disputed calls settled in favor of the appellant through a stipulated judgment.

Legal Issues Addressed

Renewal of Consent through Subsequent Communications

Application: Lawrence's inclusion of his cell number in letters to Bayview was deemed to renew consent for automated calls, as the letters did not include any specific limitations or revocations.

Reasoning: The court concluded that he effectively renewed his consent by consistently providing his cell number without constraints, which is sufficient under both TCPA and common law standards.

Revocation of Consent under the TCPA

Application: The court found that Lawrence's oral revocations of consent were limited and did not outweigh the repeated provision of his cell number, which implied ongoing consent.

Reasoning: Congress incorporated the common law concept of consent into the Telephone Consumer Protection Act (TCPA), allowing for oral revocation to withdraw prior express consent.

Summary Judgment Standards

Application: The court applied the standard for summary judgment, finding no genuine issue of material fact and that Bayview was entitled to judgment as a matter of law.

Reasoning: Summary judgment is deemed appropriate when no genuine material fact dispute exists, and the moving party is entitled to judgment as a matter of law.

Telephone Consumer Protection Act Consent Requirements

Application: The court determined that by providing his cell phone number during loan transactions, Lawrence gave prior express consent under the TCPA for Bayview to contact him using an ATDS, unless he explicitly revoked such consent.

Reasoning: The Telephone Consumer Protection Act (TCPA) prohibits the use of an ATDS to make non-emergency calls to cell numbers without prior express consent from the called party.