FEDERAL TRADE COMMISSION v. CREDIT BUREAU CENTER

Nos. 18-2847 & 18-3310.

937 F.3d 764 (2019)

FEDERAL TRADE COMMISSION, Plaintiff-Appellee, v. CREDIT BUREAU CENTER, LLC, and Michael Brown, Defendants-Appellants.

United States Court of Appeals, Seventh Circuit.

Decided August 21, 2019.


Attorney(s) appearing for the Case

Michael D. Bergman , Joel Marcus , Attorneys, FEDERAL TRADE COMMISSION, Office of the General Counsel, Washington, DC, Guy G. Ward , Attorney, FEDERAL TRADE COMMISSION, Chicago, IL, for Plaintiff-Appellee.

Stephen R. Cochell , Attorney, THE COCHELL LAW FIRM, P.C., Houston, TX, for Defendants-Appellants.

Before Manion, Sykes, and Brennan, Circuit Judges.


Michael Brown is the sole owner and operator of Credit Bureau Center, a credit-monitoring service. (We refer to both collectively as "Brown.") Brown's websites used what's known as a "negative option feature" to attract customers. The websites offered a "free credit report and score" while obscuring a key detail in much smaller...

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