[brief] .................................................................................. 2  **Dewey v. R.J. Reynolds Tobacco Co.,** 121 N.J. 69 (1990)...........................................................................................................  15  **Douglass v. Convergent Outsourcing,** 765 F.3d 299 (3d Cir. 2014)  .............................................................................................  5  **Exxon Mobil Corp. v. Allapattah Servs.,** 545 U.S. 546 (2005)  .........................................................................................................  6  **FCC v. FCC (In re MCP),** --- F.4th ---, 2025 U.S. App. LEXIS 11, 2025 WL 16388 (6th Cir. Jan. 2, 2025)  .........................................................................................................................  10  **Galloway v. United States,** 492 F.3d 219 (3d Cir. 2007) ............................................................................................. 7 **Gonzales v. Arrow Fin. Serv., L.L.C.,** 660 F.3d 1055 (9th Cir. 2011) ............................................................................................ 1 **Graziano v. Harrison,** 950 F.2d 107 (3d Cir. 1991) ............................................................................................. 2 **Hernandez v. Williams, Zinman & Parham PC,** 829 F.3d 1068 (9th Cir. 2016) ............................................................................................ 12 **Hunstein v. Preferred Collection & Mgmt. Servs.,** 17 F.4th 1016 (11th Cir. 2021) ......................................................................................... 4, 12, 14, 15 **Jackin v. Enhanced Recovery Co., LLC,** 606 F. Supp. 3d 1031 (E.D. Wash. 2022) ....................................................................... 4, 12, 14 **Jacobson v. Healthcare Fin. Servs.,** 516 F.3d 85 (2d Cir. 2008) ............................................................................................... 2 **Khimmat v. Weltman, Weinberg & Reis Co, LPA,** 585 F. Supp. 3d 707 (E.D. Pa. 2022) ............................................................................... 4, 10, 12, 14 Loper Bright Enters. v. Raimondo, ---U.S.---, 144 S. Ct. 2244 (2024) ................................................................. 12 Mangum v. Action Collection Serv., Inc., 575 F.3d 935 (9th Cir. 2009) ............................................................................. 4 Matter of Cong. Dists. by N.J. Redist’g Com’n, 249 N.J. 561 (2022) .............................................................................................. 3 Midland Funding LLC v. Thiel, 446 N.J. Super. 537 (App. Div. 2016) ................................................................. 1 Murray v. Plainfield Rescue Squad, 210 N.J. 581 (2012) .............................................................................................. 6 Nappe v. Anschelewitz, Barr, Ansell & Bonello, 189 N.J. Super. 347 (App. Div. 1983) .................................................................. 2 Phillips v. Asset Acceptance, L.L.C., 736 F.3d 1076 (7th Cir. 2013) .............................................................................. 1 Romine v. Diversified Collection Servs., 155 F.3d 1142 (9th Cir. 1998) ..............................................................................