![]() 1 When citing electronic filings throughout this Opinion, the Court cites to the ECF page number, not the page number of the filed document. Upon careful consideration of the motion, opposition, and reply thereto, the notice of supplemental authority and the response thereto, the applicable law, and the entire record herein, Plaintiff’s Motion to Remand is GRANTED. 1 Pending before the Court is the District’s Motion to Remand to the Superior Court for lack of subject matter jurisdiction. §§ 13 because the District’s claims: (1) are completely preempted by federal banking law and (2) they implicate significant federal issues and invoke serious federal interests. Elevate removed the case to this Court, asserting that jurisdiction exists here pursuant to 28 U.S.C. The District alleges that Elevate is the “true lender” of loans it markets and sells to District residents that contain interest rates of up to 149% for one of its products and 251% for another of its products-well in excess of the 24% and 6% caps in the District’s usury statutes-and that Elevate misrepresents material characteristics of these loans when marketing them to consumers, all in violation of the CPPA. This suit seeks to prevent Elevate from using this alleged rent-a-bank arrangement as an end run around the District’s consumer protection laws. The District alleges that Elevate, an unlicensed online money lender, operates what is commonly referred to as a “rent-a-bank” scheme whereby a lender markets and sells high-interest loans to consumers in one state, where interest rate caps are low, using a partnership with a bank chartered in a different state, where interest rate caps are much higher, in an attempt to skirt the lower interest rate caps in the state where the loans are being made. (“Defendant” or “Elevate”) in the Superior Court of the District of Columbia (“Superior Court”) for alleged violations of the District of Columbia Consumer Protection Act (“CPPA”), D.C. MEMORANDUM OPINION The District of Columbia (“Plaintiff” or “the District”) filed this consumer protection enforcement action against Elevate Credit, Inc. ![]() 32 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLUMBIA DISTRICT OF COLUMBIA Plaintiff, Civ. In cases of undue hardship, you may be able to postpone paying your COVID-19 benefit debt until your financial situation improves.DISTRICT OF COLUMBIA v. You may have options if you cannot pay due to circumstances beyond your control. To help reduce the amount you owe, the CRA may also apply amounts from your benefits or credits directly towards your COVID-19 benefit debt. It is important to follow your payment arrangement by continuing to make your regular payments. How you pay your COVID-19 debt depends on which department issued your payments. Your payment arrangement may be reviewed periodically. You must continue to make payments on the agreed upon dates in your payment arrangement. To start your payment arrangement, you need to make your first payment towards your debt. ![]() ![]() Telephone number: 1-86 (opens up phone application) 1-86 Hours: Dedicated hours Date Canada Emergency Response Benefit (CERB) with Service CanadaĬall from within Canada and the U.S.Telephone number: 1-61 (opens up phone application) 1-61 Hours: Dedicated CRB number hours (phone-1) DateĬlosed on public holidays For CERB benefits received from Service Canada Contact your service provider or operator to initiate the collect call. The CRA accepts collect calls by automated response. Telephone number: 1-83 (opens up phone application) 1-83 Hours: Dedicated hours DateĬlosed on public holidays TTY number: 1-80 (opens up phone application) 1-80 Hours: Dedicated CRB number hours (phone-1) DateĬlosed on public holidays Call from outside Canada and the U.S. Canada Recovery Sickness Benefit (CRSB)Ĭall from within Canada and the U.S.Canada Recovery Caregiving Benefit (CRCB).Canada Emergency Student Benefit (CESB).Canada Emergency Response Benefit (CERB) with the CRA.The number you call depends on who issued your COVID-19 benefit payments: For COVID-19 benefits received from the CRA You must call to set up a payment arrangement or discuss your options if you are unable to pay. Call the CRA to set up your payment arrangement.Use the personal income and expense worksheet to determine what you can afford to pay on a regular basis. Calculate your monthly income and expenses.If you need to repay a COVID-19 benefit overpayment, the CRA will work with you to find the best way to pay your debt through a payment arrangement. A payment arrangement is an agreement with the CRA to pay your balance in several regular payments over a period of time. ![]() If you cannot pay your debt in full, the CRA can help you set up a payment arrangement. ![]()
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