PENNSYLVANIA v. NAVIENT CORP.

No. 19-2116.

967 F.3d 273 (2020)

Commonwealth of PENNSYLVANIA v. NAVIENT CORP.; Navient Solutions LLC Appellants.

United States Court of Appeals, Third Circuit.

Opinion filed: July 27, 2020.


Attorney(s) appearing for the Case

Daniel T. Brier , Myers Brier & Kelly, 425 Spruce Street, Suite 200, Scranton, PA 18503, James P. Brown , Jennifer Levy , Patrick Brown , Mike Kilgarriff , Kirkland & Ellis, 1301 Pennsylvania Avenue, N.W., Washington, DC 20004, Michael Shumsky (Argued), Hyman Phelps & McNamara, 700 Thirteenth Street, N.W., Suite 1200, Washington, DC 20005, Counsel for Appellants.

Josh Shapiro , Attorney General State of Pennsylvania, Howard G. Hopkirk (Argued), Senior Deputy Attorney General, Jesse F. Harvey , Chief Deputy Attorney General, John Abel , Senior Deputy Attorney General, Jill T. Ambrose , Deputy Attorney General, Office of the Attorney General of Pennsylvania, Strawberry Square, Harrisburg, PA 17120, Nicholas Smyth , Senior Deputy Attorney General, Office of Attorney General of Pennsylvania, 1251 Waterfront Place, Mezzanine Level, Pittsburgh, PA 15222 Counsel for Appellee.

Mary McLeod , General Counsel, John Coleman , Deputy General Counsel, Steven Y. Bressler , Assistant General Counsel, Lawrence Demille-Wagman , Senior Litigation Counsel, Christopher Deal (Argued), Consumer Financial Protection Bureau, 1700 G Street, N.W., Washington, DC 20552, Counsel for Amicus Appellee Consumer Financial Protection Bureau.

Faith E. Gay , Maria Ginzburg , Yelena Konanova , Margaret Larkin , Ryan W. Allison , Selendy & Gay, 1290 Avenue of the Americas, 17th Floor, New York, NY 10104, Mark Richard , Phillips, Richard & Rind, P.A., 9360 S.W., 72nd Street, Suite 283, Miami, FL 33173, Counsel for Amicus Appellee American Federation of Teachers.

Letitia James , Attorney General State of New York, Barbara D. Underwood , Solicitor General, Steven C. Wu , Deputy Solicitor General, Ester Murdukhayeva , Assistant Solicitor General of Counsel, Office of Attorney General of New York, 28 Liberty Street, 23rd Floor, New York, NY 10005, Counsel for Amicus Appellee State of New York.

Jon Greenbaum , Lawyers' Committee for Civil Rights Under Law, 1500 K Street, N.W., Suite 900, Washington, DC 20005, Counsel for Amicus Appellee Lawyers Committee for Civil Rights Under Law.

Benjamin J. Roesch , Jensen Morse Baker, 1809 Seventh Avenue, Suite 410, Seattle, WA 98101, Counsel for Amicus Appellees Student Borrower Protection Center; Seniorlaw Center; Center for Responsible Lending; New Jersey Citizen Action; Lawyers Committee for Civil Rights Under Law; Community Legal Services of Philadelphia.

Before: McKEE, AMBRO, and PHIPPS, Circuit Judges.


OPINION OF THE COURT

We decide two issues in this appeal: first, whether the Commonwealth of Pennsylvania may bring a parallel enforcement action against Navient Corporation and Navient Solutions, LLC (together, "Navient") under the Consumer Financial Protection Act of 2010 (the "Consumer Protection Act"), codified...

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