[brief] TABLE OF CONTENTS  REPLY APPENDIX  TABLE OF CONTENTS ..........................................................  ii  TABLE OF AUTHORITIES ...........................................................................  iii  PRELIMINARY STATEMENT ........................................................................  1 REPLY ARGUMENT .....................................................................................  1 POINT I.  IT IS AXIOMATIC THAT THE PURVIEW OF THE CONSUMER FRAUD ACT EXTENDS TO SUBSEQUENT PERFORMANCE  ..................  1 POINT II.  THE ALLEGATIONS IN THE COMPLAINT ARE SUFFICIENT TO DEMONSTRATE  [...]’S ASCERTAINABLE LOSS AT THE PLEADING STAGE  .................................................................  5 POINT III.  [...]  VIOLATIONS OF THE CONSUMER FRAUD ACT AND CONSUMER FINANCE LICENSING ACT  GIVE RISE TO [...]’S STANDING TO SEEK DECLARATORY AND INJUNCTIVE RELIEF ..............................................................................  6 POINT IV.  THE ISSUES OF [...]’S LICENSURE AND THE PRIVATE RIGHT OF ACTION UNDER THE NJCFLA WERE RAISED IN THE TRIAL COURT .............................................................................. 7 CONCLUSION ........................................................................................................ 13 TABLE OF AUTHORITIES Cases Chulsky v. Hudson Law Offices, P.C., 777 F. Supp. 2d 823 (D.N.J. 2011) ................................................................. 3 DepoLink Court Reporting & Litig. Support Servs. v. Rochman, 430 N.J. Super. 325 (App. Div. 2013) ............................................................... 3 Dewey v. R.J. Reynolds Tobacco Co., 121 N.J. 69 (1990) ......................................................................................... 3 Family Fin. Corp. v. Gough, 10 N.J. Super. 13 (App. Div. 1950) ................................................................. 9 Francavilla v. Absolute Resols. VI LLC, 478 N.J. Super. 171 (App. Div. 2024) ............................................................. 8 Gennari v. Weichert Co. Realtors, 148 N.J. 582 (1997) ......................................................................................... 2 Gonzalez v. Wilshire Credit Corp., 207 N.J. 557 (2011) ......................................................................................... 2 In re Resolution of State Com. of Investigation, 108 N.J. 35 (1987) ......................................................................................... 6, 8 Jefferson Loan Co., Inc. v. Session, 397 N.J. Super. 520 (App. Div. 2008) ............................................................. 2 Joe Hand Promotions, Inc. v. Mills, 567 F. Supp. 2d 719 (D.N.J. 2008) ................................................................. 3 Lemelledo v. Benefit Mgmt. Corp., 150 N.J. 255 (1997) ......................................................................................... 8 McQueen v. Fein, Such, Kahn & Shepard, P.C., ESX-L-1439-22, 2023 N.J. Super. Unpub. LEXIS 640 (Law Div. April 26, 2023) .............................................................................. 12 Miller v. Bank of Am. Home Loan Servicing, L.P., 439 N.J. Super. 540 (App. Div. 2015) ............................................................. 5 Pace v. Hamilton Cove, 258 N.J. 82 (2024) ........................................................................................................... 6 Shaw v. City of Jersey City, 174 N.J. 567 (2002) ............................................................................................................. 3 Shaw v. City of Jersey City, 346 N.J. Super. 219 (App. Div. 2002) .................................................................................. 3 Valentine v. Mullooly, Jeffrey, Rooney & Flynn LLP, No. 2:20-cv-14152 (WJM), 2022 U.S. Dist. LEXIS 118399 (D.N.J. July 6, 2022) ........................................................................................................... 11 Woo-Padva v. Midland Funding LLC, 2022 N.J. Super. Unpub. LEXIS 96 (Law Div. Jan. 21, 2022) ............................................ 3 Woo-Padva v. Midland Funding LLC, No. A-1996-21, 2023 N.J. Super. Unpub. LEXIS 1550 (App. Div. Sep. 21, 2023) .................................................................................................... 4, 6 Rules R. 2:6-1(b) ............................................................................................................................... 7 R. 2:6-5 ................................................................................................................................. 7 R. 4:5-8(a) .............................................................................................................................. 5 Statutes N.J.S.A. 17:11C-2 ....................................................................................................................