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CBC COMPANIES, INC. v. EQUIFAX, INC.

No. 08-3261.

561 F.3d 569 (2009)

CBC COMPANIES, INC.; CBC Innovis, Inc., Plaintiffs-Appellants, v. EQUIFAX, INC.; Equifax Information Services LLC, Defendants-Appellees.

United States Court of Appeals, Sixth Circuit.

Decided and Filed: April 2, 2009.

Attorney(s) appearing for the Case

ARGUED: Michael J. Canter, Vorys, Sater, Seymour & Pease, Columbus, Ohio, for Appellants. Michael P. Kenny, Alston & Bird, Atlanta, Georgia, for Appellees.

ON BRIEF: Michael J. Canter, Kenneth J. Rubin, James Allison Wilson, Jr., Vorys, Sater, Seymour & Pease, Columbus, Ohio, for Appellants. Michael P. Kenny, Gregory B. Mauldin, Teresa T. Bonder, Peter Kontio, Alston & Bird, Atlanta, Georgia, Robert Garrett Cohen, Roger P. Sugarman, Kegler, Brown, Hill & Ritter Co., Columbus, Ohio, for Appellees.

Before: SILER, COOK, and McKEAGUE, Circuit Judges.

OPINION

COOK, Circuit Judge.

The Federal National Mortgage Association ("Fannie Mae") and the Federal Home Loan Mortgage Corporation ("Freddie Mac") regulate the residential-mortgage-loan industry by requiring mortgage brokers and lenders to consider a consumer's credit information before approving loans. Specifically, federal regulations require brokers and lenders to purchase data from each of the three nationwide consumer reporting agencies ("NCRAs")...

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