Consumer Financial Protection Bureau v. The Mortgage Law Group, LLP et al

Filing 600

ORDER on restitution, civil penalties, and permanent injunctive relief. Signed by District Judge William M. Conley on 8/1/2022. (jls)

IN THE UNITED STATES DISTRICT COURT
FOR THE WESTERN DISTRICT OF WISCONSIN
CONSUMER FINANCIAL PROTECTION BUREAU,
Plaintiff,
OPINION and ORDER
v.
14-cv-513-wmc
THE MORTGAGE LAW GROUP, LLP,
CONSUMER FIRST LEGAL GROUP, LLC,
THOMAS G. MACEY, JEFFERY J. ALEMAN,
JASON E. SEARNS and HAROLD E. STAFFORD,
Defendants.

This court entered an amended, final judgment in favor of plaintiff Consumer
Financial Protection Bureau (“CFPB”) on November 18, 2019, which awarded: (1) over
$20 million in restitution to the consumers of The Mortgage Law Group (“TMLG”) and
Consumer First Legal Group (“CFLG”) I and II1 for the advanced fees defendants had
wrongfully collected in violation of the Consumer Financial Protection Act of 2010
(“CFPA”), 12 U.S.C. § 5481 et seq.; (2) civil penalties for defendants’ reckless and strict
liability violations; and (3) a permanent injunction against defendants Thomas Macey,
Jeffery Aleman, Jason Searns, and CFLG regarding mortgage assistance and debt relief
products or services, as well as a five-year injunction against defendant Harold Stafford
regarding mortgage assistance relief products or services. (Dkt. ##419 at 26-27, 426.)
On appeal, the Seventh Circuit affirmed this court’s liability findings against defendants,

“CFLG I” refers to the company solely owned by defendant Harold Stafford from January to July
2012, and “CFLG II” refers to the company jointly owned by defendants Thomas Macey, Jeffery
Aleman, Jason Searns, and Stafford after July 2012.
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except for recklessness. However, the court of appeals vacated the award of restitution,
civil penalties, and injunctive relief, remanding for further proceedings as to those
remedies. Consumer Fin. Prot. Bureau v. Consumer First Legal Grp., LLC, 6 F.4th 694 (7th
Cir. 2021). Specifically, the Seventh Circuit found: (1) equitable restitution should have
been calculated using defendants’ net profits, rather than net revenues; and (2) the civil
penalties should be revised in part based on the miscalculation of the penalty period for
defendants TMLG and CFLG II’s enrollment violations, and an erroneous factual finding
that all defendants (except Stafford and CFLG I) had acted recklessly. Finally, the court
found that the permanent injunction must be tailored in breadth to reflect that the
violations at issue were not knowing or reckless and concerned only mortgage-relief
services, rather than debt-relief services as a whole.

Id. at 710-13.

After denying

plaintiff’s petition for rehearing en banc, the Seventh Circuit issued its mandate on
December 7, 2021. (Dkt. ##571-2, 571-3.)
On remand, this court directed the parties to brief what, if anything, would be an
appropriate entry of restitution, civil penalties, and injunctive relief against defendants.
In something of an “you don’t get what you don’t ask for,” plaintiff requests that this court:
(1) simply award $21.7 million again, though this time as legal restitution in the full
amount of advanced fees that defendants wrongfully took from consumers, minus refunds,
or equitable restitution in the same amount with no deduction for expenses because they
were incurred in carrying out unlawful conduct; (2) impose the maximum strict liability
penalty against Macey ($10,380,000) and Aleman ($13,330,000), impose a strict liability
penalty against Searns limited to the amount previously imposed against him

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($8,002,500), and reimpose the same strict liability penalties against Stafford ($35,250)
and CFLG ($3,121,500);2 and (3) permanently ban Macey, Aleman, Searns, and CFLG
from providing mortgage-relief services, as well as reimpose the five-year ban on Stafford.
Conversely, defendants now request that the court:

(1) award no restitution absent

evidence that defendants netted any profits, or alternatively, hold another bench trial to
determine the amount of profits; (2) limit civil penalties to $1,000 a day, subject to the
previously imposed mitigation of 80%; and (3) impose a time-limited injunction related
solely to the offering of mortgage relief services for all defendants. Having considered the
court of appeals’ instructions on remand and the parties’ additional briefing, this court now
orders entry of a reduced civil remedy in lieu of equitable restitution relief, lower civil
penalties, and time-limited injunctive relief as set forth below.

OPINION
I.

Civil Relief In Lieu of Equitable Restitution
For their violations of Regulation O, this court originally ordered:

defendants

TMLG, Macey, Aleman, and Searns to provide restitution to TMLG consumers in the
amount of $18,716,725.78; defendants CFLG, Macey, and Aleman to provide restitution
to CFLG II consumers in the amount of $2,897,566; and defendants CFLG and Stafford
to provide restitution to CFLG I consumers in the amount of $94,730. (Dkt. #419 at

While neither Stafford’s penalty nor his ban were explicitly disturbed on appeal, the Seventh
Circuit stated that it was vacating the restitution, civil penalties, and injunction ordered by this
court. Therefore, at plaintiff’s request and to avoid any possible confusion, the court will impose
a revised civil penalty and injunction against Stafford in its new judgment proportional to the
reduced awards against the other defendants.
2

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26.) As noted by the Seventh Circuit, this court determined these amounts by looking to
defendants’ net revenues, calculated based on the amount of advance fees collected from
consumers minus any refunds to those consumers. Id. at 3-4. In vacating this restitution
award on appeal, the Seventh Circuit held that under the Supreme Court’s recent decision
in Liu v. Sec. & Exch. Comm’n, 140 S. Ct. 1936 (2020), “all categories of equitable relief,”
including restitution and disgorgement, “may not exceed a firm’s net profits.” CFLG, 6
F.4th at 710. The court of appeals further observed that in ordering restitution, this court
“understood itself to be awarding equitable relief because it cited equitable restitution cases
in support of its order,” and for that reason, declined plaintiff’s request to affirm the award
as legal restitution. Id. at 711.
Obviously following up on this observation, plaintiff now asks this court to award
the full amount taken from consumers either as legal restitution or a refund of moneys
under 12 U.S.C. § 5565(a)(2), arguing that it has always sought a monetary judgment,
rather than the return of specific funds or property to the firms’ consumers. As plaintiff
points out, a claim for legal restitution only requires a defendant “to pay a sum of money,”
whereas a claim for equitable restitution “restore[s] to the plaintiff particular funds or
property in the defendant’s possession,” and neither legal restitution nor a refund under
§ 5565(a) are concerned with disgorgement of defendant’s profits or refunds. Great-West
Life & Annuity Ins. Co. v. Knudson, 534 U.S. 204, 213-14 (2002) (citations omitted); see also
Mooney v. Illinois Educ. Ass’n, 942 F.3d 368, 371 (7th Cir. 2019) (“Where a plaintiff seeks
‘recovery from the beneficiaries’ assets generally’ because her specific property has
dissipated or is otherwise no longer traceable, the claim ‘is a legal remedy, not an equitable

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one.’”); Fed. Trade Comm’n v. Inc21.com Corp., 475 F. App’x 106, 108 (9th Cir. 2012) (“legal
restitution [is] measured by the loss to consumers”).
In particular, as support for its argument that this court has the authority to
recharacterize its previous equitable award as legal restitution, plaintiff cites Fed. Trade
Comm'n v. Credit Bureau Ctr., LLC, No. 17 C 194, 2021 WL 4146884, at *12 (N.D. Ill.
Sept. 13, 2021). In that case, the Northern District of Illinois awarded legal restitution
on remand under § 19 of the Federal Trade Commission (“FTC”) Act, despite the Seventh
Circuit having vacated the district court’s original award under § 13(b) of the FTC Act as
unauthorized. In doing so, that district court was persuaded in particular by its authority
to amend the original judgment under Fed. R. Civ. P. 59(e), due to the intervening change
in the law after having issued its original, vacated judgment.3 Id.
Defendants do not address the thrust of plaintiff’s argument that legal restitution
or § 5565(a) provide separate grounds for monetary relief in light of their violations of the
CFPA. Rather, they argue that the Seventh Circuit explicitly rejected both equitable and
legal restitution as a basis for relief in this case, having vacated an award of equitable relief.
Defendants further argue that the specific nature of the Seventh Circuit’s holding on appeal
distinguishes this case from the Northern District of Illinois Court’s non-precedential
decision in Credit Bureau Ctr., because unlike here, the Seventh Circuit did not expressly
or impliedly consider the availability of restitution under the specific provision upon which
the district court relied following remand.

3

That case is again on appeal before the Seventh Circuit. Id.

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Although the parties do not address it, their disagreement about what should be the
basis of any monetary relief involves the related mandate rule and law-of-the-case doctrine.
“The mandate rule requires a lower court to adhere to the commands of a higher court on
remand,” while the “law of the case doctrine is a corollary to the mandate rule and prohibits
a lower court from reconsidering on remand an issue expressly or impliedly decided by a
higher court absent certain circumstances.” Carmody v. Bd. of Trustees of Univ. of Illinois,
893 F.3d 397, 407 (7th Cir. 2018) (internal quotations and citations omitted). Although
“[b]oth the mandate rule and the law-of-the-case doctrine are strong, . . . they can bend in
sufficiently compelling circumstances,” including subsequent changes in the law. Id. at
407-08.
While the Seventh Circuit's opinion in this case plainly forecloses any award of
equitable restitution based on net revenues, it does not address the merits of plaintiff’s
argument that § 5565(a) authorizes a court’s grant of both equitable and legal relief or
forecloses an award of legal restitution as a possible remedy. Indeed, the court of appeals
interpreted this court’s previous orders as awarding equitable as opposed to legal restitution
based only on the cases cited in this court’s opinion. Further, during the earlier stages of
this lawsuit through entry of final judgement in 2019, the question of whether the
restitution award should be characterized as equitable or legal was not even before this
court, largely because the distinction did not make a difference until the Supreme Court’s
Liu decision changed the law in 2020, at least with respect to how equitable restitution
should be calculated. Therefore, this court finds that neither the law of the case nor the

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Seventh Circuit’s 2021 mandate precludes reconsideration on remand of the appropriate
type of restitution or statutory remedy best suits any monetary award.
In particular, characterizing this relief as either legal restitution or, alternatively, an
order for return of money under § 5565(a)(2)(B), is appropriate in this case because
plaintiff’s claim is against defendants generally and not one, identifiable fund or asset. See
Mooney, 942 F.3d at 371 (holding same and emphasizing that “[i]t is not enough that
[plaintiff’s] fees once contributed to [defendant’s] overall assets.”); Montanile v. Bd. of
Trustees of Nat. Elevator Indus. Health Benefit Plan, 577 U.S. 136, 144-45 (2016)
(“[S]tandard equity treatises. . . make clear that a plaintiff could ordinarily enforce an
equitable lien only against specifically identified funds that remain in the defendant's
possession or against traceable items that the defendant purchased with the funds (e.g.,
identifiable property like a car). . . . The plaintiff then may have a personal claim against
the defendant's general assets—but recovering out of those assets is a legal remedy, not an
equitable one.”). This is especially appropriate in a case like this one, where the court
already found that the so-called “legal services” defendants and their corporate fronts
purported to provide at exorbitant upfront fee were actually worth zero or next to zero,
which despite being advertised as coming from local lawyers with special expertise, were
national processing services essentially nothing more than clerical at worst and available
through free clinics at best.
Accordingly, the court agrees that compensating consumers for their advanced fees
paid to TMLG and CFLG I and II remains a valid and necessary remedy for the reasons
explained in this court’s previous order regarding remedies, which were not disturbed on

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appeal (dkt. #419 at 3-9), and this court will recharacterize plaintiff’s restitution claim as
legal and award it based on defendants’ net revenues consistent with the Supreme Court’s
decision in Liu. See 140 S. Ct. at 1942 (“consulting works on equity jurisprudence” to
determine scope of “equitable relief”); CFLG, 6 F.4th at 710 (“Liu purports to set forth a
rule applicable to all categories of equitable relief.”).
Still, because the Seventh Circuit found that defendants’ conduct was not the
product of reckless disregard of the CFPA, but rather a failure to fit themselves under an
exception for the delivery of legal services, the court has reconsidered the appropriate relief
under § 5565(a)(2) from a complete restitution or disgorgement under (C) and (D).
Instead, each defendant shall refund 50% of the moneys paid, which plaintiff shall return
directly to the injured parties to the extent practical. Any portion that plaintiff is unable
to be returned to the victims may be applied to the civil penalties assessed against
defendants with the remainder, if any, reverting to defendants. Thus, the amended final
judgment shall reflect reduced civil relief in the amount of $10,850,000: defendants
TMLG, Macey, Aleman, and Searns are jointly and severally liable for $9,358,362.85 with
respect to TMLG consumers; CFLG, Macey, and Aleman are jointly and severally liable for
$1,448,783 with respect to CFLG II consumers; and defendant Stafford and CFLG are
jointly and severally liable for $47,365 with respect to CFLG I consumers.

II.

Civil Money Penalties
Similarly, this court also imposed civil penalties at the “recklessness” tier against (1)

Macey in the amount of $11,350,000, (2) Aleman in the amount of $14,785,000, (3)

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Searns in the amount of $8,002,500, and (4) CFLG II in the amount of $3,086,250.
These awards were obviously much greater than those against both Stafford and CFLG I
in the amount of $35,250 at the strict liability tier. 4 (Dkt. #419 at 21-22, 27.) In
calculating these penalties, this court expressly adopted plaintiff’s recommendation that:
Macey and Aleman pay 20% of the maximum reckless penalty of $25,000/day for six
(Macey) to eight (Aleman) different violations they committed; Searns and CFLG II pay
15% of the maximum reckless penalty for four different violations; and Stafford and CFLG
I pay 5% of the maximum strict liability penalty of $5,000/day for three violations. Id.
The court further found that: TMLG-related enrollment violations occurred from July 21,
2011, through January 2, 2013 (532 days); CFLG I-related enrollment violations occurred
from May 14, 2012 through June 29, 2012 (47 days); and CFLG II-related enrollment
violations occurred from August 3, 2012 through January 4, 2013 (155 days). Id. at 16.
On appeal, the Seventh Circuit vacated this court’s original finding of recklessness
with respect to Macey, Aleman, Searns, and CFLG II, and instead ordered this court to
make two adjustments in its penalty calculations on remand:

(a) apply the penalty

structure for strict-liability violations, which is limited to “$5,000 for each day during
which such violation . . . continues,” 12 U.S.C. § 5565(c)(2)(A); and (b) end the enrollment
violation penalty period on October 30, 2012 for TMLG, and on November 30, 2012 for
CFLG II, while tacking on one extra day of violations to account for the January 2013
enrollments “if it so wish[es].” CFLG, 6 F.4th at 712.

The total civil penalty award against defendant CFLG was $3,121,500 ($3,0826,250 for CFLG
II plus $35,250 for CFLG I).
4

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On remand, therefore, plaintiff asks this court to impose: the maximum strict
liability penalty against Macey and Aleman; a strict liability penalty against Searns and
CFLG II limited to the penalty amounts previously imposed on those defendants; and the
same strict liability penalty against Stafford and CFLG I.

More specifically, plaintiff

recalculated the penalties based on the strict liability tier, using the following dates and
time periods for the enrollment violations:
•

TMLG-related enrollment violations occurred July 21, 2011 through October
30, 2012, and then again on January 2, 2013 (469 days).

•

CFLG II-related enrollment violations occurred August 3, 2012 through
November 30, 2012, and then again on January 4, 2013 (121 days).

Repeating many of the arguments that they made on summary judgment, at trial,
and in post-trial briefing, defendants assert that assessing the maximum strict liability
penalties would be unconstitutional under the Excessive Fines clause of the Eighth
Amendment and the Due Process clause of the Fifth Amendment because they provided
legitimate services that helped many clients submit loan modification applications, did not
wholly misrepresent their services, engaged in the practice of law, and did not commit grave
offenses. However, the court of appeals did not criticize this court’s previous analysis with
respect to defendants’ liability or dubious engagement in the practice of law. Rather, it
merely limited the tier to which all defendants’ culpability laid, considering “it a step too
far to say that [defendants] were reckless—that is, that they should have been aware of an
unjustifiably high or obvious risk of violating Regulation O.” CFLG, 6 F.4th at 712.
Defendants further argue that when it comes to determining the appropriate penalty
amount, the court must adopt the same level of mitigation that plaintiff previously

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recommended and the court adopted in its original remedies order—20% of the maximum
recklessness penalty for Macey and Aleman and 15% of the penalty for Searns and CFLG
II—because those figures are the law of the case, and plaintiff is judicially estopped from
arguing for a higher penalty. While the court of appeals did not disturb this court’s ruling
with respect to mitigation, this court finds that neither judicial estoppel nor the law of the
case require it to adhere to its previous ruling regarding the 75-80% reductions in
defendants’ civil penalties. Instead, judicial estoppel “generally prevents a party from
prevailing in one phase of a case on an argument and then relying on a contradictory
argument to prevail in another phase.” New Hampshire v. Maine, 532 U.S. 742, 750 (2001)
(citations and internal quotations omitted). For the doctrine to apply, “a party’s later
position must be clearly inconsistent with its earlier position,” id., but plaintiff’s current
position regarding mitigation is not inconsistent with its earlier recommendation. To the
contrary, plaintiff previously recommended substantial mitigation because defendants
faced enormous maximum available penalties in the reckless tier, whereas now defendants
now face more manageable maximum available penalties for the strict liability tier.
Further, the law of the case doctrine “posits that when a court decides upon a rule
of law, that decision should continue to govern the same issues in subsequent stages in the
same case.”

Pepper v. United States, 562 U.S. 476, 506 (2011) (citation omitted).

However, the doctrine is discretionary rather than mandatory and “does not prohibit a
court from revisiting an issue when there is a legitimate reason to do so, whether it be a
change in circumstances, new evidence, or something the court overlooked earlier.” Boyer
v. BNSF Ry. Co., 824 F.3d 694, 711-12 (7th Cir.), opinion modified on reh’g, 832 F.3d 699

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(7th Cir. 2016) (internal citations omitted). This court did not decide upon any “rule of
law” in deciding to impose penalties at 75-80% below the statutory maximum, but rather
exercised its discretion in choosing the appropriate penalty amount within the permissible
range of the then applicable penalty tier, which obviously has changed.
Finally, defendants challenge the new enrollment time periods proposed by plaintiff,
arguing that the Seventh Circuit held plaintiff was entitled to a penalty only for those days
on which defendants actually committed a violation, and not the entire time period that
the firms were open for business. However, the court of appeals made no such finding.
Rather, it affirmed this court’s approach with one caveat: defendants “should not have
been accountable for all the days between their second-to-last enrollments in Fall 2012 and
their last enrollments in January 2013,” directing instead that “the court should have ended
the firms’ enrollment violations penalty periods on October 30, 2012, and November 30,
2012, and (if it so wished) tacked on one extra day of violations to account for the January
2013 enrollments.” CFLG, 6 F.4th at 712. Therefore, the court will use the following
dates and time periods for the enrollment violations:
•

TMLG-related enrollment violations occurred July 21, 2011 through October
30, 2012, and then again on January 2, 2013 (469 days).

•

CFLG II-related enrollment violations occurred August 3, 2012 through
November 30, 2012, and then again on January 4, 2013 (121 days).

This just leaves the amount of strict liability penalties to be imposed against
defendants Macey, Aleman, Searns, and CFLG II.

In assessing penalties, the CFPA

requires courts to “take into account the appropriateness of the penalty with respect to”
the following factors: (1) the size of the financial resources and the good faith of the

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person charged; (2) the gravity of the violation; (3) the severity of the risks to or losses of
the consumer; (4) the history of previous violations; and (5) such other matters as justice
may require. 12 U.S.C. § 5565(c)(3). This court considered these factors in detail in its
original, post-trial relief opinion, and determined that “[e]xcept for the remaining financial
resources of the defendants, all of these factors weigh in favor of substantial civil penalties
with respect to each of the defendants.” (Dkt. #419 at 16-17.) Moreover, although the
court of appeals concluded defendants’ conduct did not rise to the level of recklessness,
none of the facts informing this court’s analysis of the mitigating factors has changed. If
anything, the financial resources factor now further tips in plaintiff’s favor because the
future earning potential of Macey, Aleman, and Searns has improved with the more limited
injunction mandated by the court of appeals. Accordingly, this court adopts by reference
its previous analysis of the mitigation factors.
In light of the above considerations and the court’s rulings with respect to
defendants’ liability, level of knowledge, and duration of misconduct, the court finds that
imposing strict liability penalties at 50% below the statutory maximum is reasonable and
will award civil penalties as follows: Macey in the amount of $5,190,000; Aleman in the
amount of $6,665,000; Searns in the amount of $4,682,500; and CFLG II in the amount
of $1,802,500. As for the $35,250 strict liability penalties previously awarded against
Stafford and CFLG I and undisturbed by the court of appeals, those will remain the same.

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III.

Injunction
Finally, this court had permanently enjoined Macey, Aleman, Searns, and CFLG

from providing any mortgage-relief and debt-relief services, as well as enjoined Stafford
from providing mortgage-relief services for five years. On appeal, the Seventh Circuit held
that the “injunction needs some tailoring,” as the “violations at issue here concerned
mortgage-relief services, not debt-relief services as a whole” and the “violations were not
knowing or reckless.”

CFPB, 6 F.4th at 712.

While plaintiff asks that this court

permanently enjoin Macey, Aleman, Searns, and CFLG from providing mortgage relief
services, defendants correctly point out that the Seventh Circuit instructed that “an
injunction of this breadth is not necessary to protect the public against future harm” and
“need only ensure that defendants do not stray beyond the scope of the Act and its
implementing regulations.” Id.
In accordance with the mandate of the court of appeals, therefore, this court will:
(1) impose an eight-year injunction (ending on November 4, 2027) against defendants
Macey, Aleman, Searns, and CFLG, against marketing, selling, providing, offering to
provide, as well as assisting others to market, sell, provide, or offer to provide, any mortgage
assistance relief products or services as defined in 12 C.F.R. § 1015.2; and (2) reimpose
the undisturbed, five-year injunction against Stafford, which will end on November 4,
2024, against his marketing, selling, providing, offering to provide, as well as assisting
others to market, sell, provide, or offer to provide, any mortgage assistance relief products
or services as defined in 12 C.F.R. § 1015.2.

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ORDER
IT IS ORDERED that:
A. Civil relief as set forth above in the following amounts
1. Defendants TMLG, Macey, Aleman, and Searns are jointly and severally
liable for $9,358,362.85 with respect to the advance fees that TMLG collected
from consumers, payable within 30 days to plaintiff to be disbursed on a pro
rata basis to the extent practical (or otherwise as the court might approve in
the future).
2. Defendants CFLG, Macey, and Aleman are jointly and severally liable for
$1,448,783 with respect to the advanced fees that CFLG II collected from
consumers, payable within 30 days to the Bureau to be disbursed on a pro
rata basis to the extent practical (or otherwise as the court might approve in
the future).
3. Defendants Stafford and CFLG are jointly and severally liable for $47,365
with respect to the advanced fees that CFLG I collected from consumers,
payable within 30 days to the Bureau to be disbursed on a pro rata basis to
the extent practical (or otherwise as the court might approve in the future).
4. To the extent that any portions of these amounts paid cannot reasonably be
returned to consumers by plaintiff, then the excess—minus any reasonable
costs incurred by plaintiff in implementing the award—shall be applied
toward the civil penalties assessed against defendants, with the remainder, if
any, reverting to defendants. Plaintiff shall apply any excess toward civil
penalties, with the remainder reverting to defendants, when it determines, in
accordance with its standard practices for administering payments to victims,
that it is not practicable to distribute the remaining funds to consumers.
Plaintiff shall apprize the court annually of its progress.
B. Defendants are directed to pay civil penalties to plaintiff in the following
amounts on or before 30 days from date of this order. These amounts represent
civil penalties owed to the United States pursuant to 12 U.S.C. § 5565(c) and
are not compensation for actual pecuniary loss and, therefore, are not subject to
discharge under the Bankruptcy Code pursuant to 11 U.S.C. § 523(a)(7).
1. Macey in the amount of $5,190,000.
2. Aleman in the amount of $6,665,000.
3. Searns in the amount of $4,682,500.

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4. Stafford in the amount of $35,250.
5. CFLG in the amount of $1,837,750.
C. No interest shall accrue on the ordered payments if timely made. In the event
of any default in payment, the entire unpaid amount shall constitute a debt due
and immediately owing and post-judgment interest shall be assessed from the
date of this order until payment is made as set forth in 28 U.S.C. § 1961.
D. An injunction pursuant to Federal Rule of Civil Procedure 65 is also ENTERED
under the following terms and conditions:
Defendants Macey, Aleman, Searns, and CFLG are enjoined for a period of
eight years ending on November 4, 2027, and defendant Stafford is enjoined
for a period of five years ending on November 4, 2024, from marketing,
selling, providing, offering to provide, and assisting others to market, sell,
provide, or offer to provide, any mortgage assistance relief products or
services as defined in 12 C.F.R. § 1015.2.
E. The clerk of court is directed to enter final judgment in favor of plaintiff
consistent with this order.
Entered this 1st day of August, 2022.
BY THE COURT:
/s/
WILLIAM M. CONLEY
District Judge

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