Fourth Circuit Vacates, Remands Class Certification, Applying Ramirez to Standing in Mortgage Case

On Oct. 28, the U.S. Court of Appeals for the Fourth Circuit vacated and remanded for reconsideration a district court order certifying a class of mortgage borrowers. The decision, which relies on the U.S. Supreme Court’s decision in TransUnion LLC v. Ramirez, provides further ammunition for the argument that all putative class members must have a demonstrable injury in order to recover damages in a class action.

Read on for analysis of this decision and implications for future class actions.