Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-caed-2_24-cv-01397/USCOURTS-caed-2_24-cv-01397-3/pdf.json

Nature of Suit Code: 480
Nature of Suit: Consumer Credit
Cause of Action: 15:1681 Fair Credit Reporting Act

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UNITED STATES DISTRICT COURT

FOR THE EASTERN DISTRICT OF CALIFORNIA

BILLY STEFFEY,

Plaintiff,

v.

AFFIRM LOAN SERVICES, LLC, et al.,

Defendants.

Case No. 2:24-cv-01397-DAD-CSK

ORDER GRANTING MODIFIED 

STIPULATED PROTECTIVE ORDER 

(ECF No. 68)

The Court has reviewed the parties’ stipulated protective order below (ECF No. 68), 

and finds it comports with the relevant authorities and the Court’s Local Rule. See L.R. 

141.1. The Court APPROVES the protective order, subject to the following clarification. 

The Court’s Local Rules indicate that once an action is closed, it “will not retain 

jurisdiction over enforcement of the terms of any protective order filed in that action.” L.R. 

141.1(f); see Bylin Heating Sys., Inc. v. Thermal Techs., Inc., 2012 WL 13237584, at *2 

(E.D. Cal. Oct. 29, 2012) (noting that courts in the district generally do not retain jurisdiction 

for disputes concerning protective orders after closure of the case). Thus, the Court will not 

retain jurisdiction over this protective order once the case is closed.

Dated: October 28, 2024

4, stef1397.24

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2 Case No.: 2:24-cv-01397-CSK[PROPOSED]

STIPULATED PROTECTIVE ORDER

SL_7035109.1

C. Todd Norris (SBN 181337)

DUANE MORRIS LLP

One Market Plaza 

Spear Tower, Suite 2200

San Francisco, CA 94105-1127

Telephone: (415) 957-3000

E-mail: ctnorris@duanemorris.com

Attorneys for Defendant,

TD BANK, N.A.

IN THE UNITED STATES DISTRICT COURT

FOR THE EASTERN DISTRICT OF CALIFORNIA

BILLY STEFFEY,

Plaintiff,

v.

AFFIRM LOAN SERVICES, LLC; 

CITIBANK, N.A.; DISCOVER BANK; 

RC WILLEY HOME FURNISHINGS; 

TD BANK, N.A.; ROBINHOOD 

CREDIT, INC. DBA X1, INC.; 

EQUIFAX INFORMATION 

SERVICES, LLC; EXPERIAN 

INFORMATION SOLUTIONS, INC.; 

AND, TRANS UNION LLC,

Defendants.

Case No.: 2:24-cv-01397-CSK

[DISCOVERY DOCUMENT: 

REFERRED TO MAGISTRATE 

JUDGE CHI SOO KIM]

[PROPOSED] STIPULATED 

PROTECTIVE ORDER

Complaint Filed: May 16, 2024

1. A. PURPOSES AND LIMITATIONS

Discovery in this action is likely to involve production of confidential, 

proprietary, or private information for which special protection from public disclosure 

and from use for any purpose other than prosecuting this litigation may be warranted. 

Accordingly, the parties hereby stipulate to and petition the Court to enter the 

following Stipulated Protective Order. The parties acknowledge that this Order does 

not confer blanket protections on all disclosures or responses to discovery and that the 

protection it affords from public disclosure and use extends only to the limited 

Case 2:24-cv-01397-DAD-CSK Document 69 Filed 10/28/24 Page 2 of 17
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3 Case No.: 2:24-cv-01397-CSK[PROPOSED]

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information or items that are entitled to confidential treatment under the applicable 

legal principles. The parties further acknowledge, as set forth in Section 12.3, below, 

that this Stipulated Protective Order does not entitle them to file confidential 

information under seal; Civil Local Rule 141 sets forth the procedures that must be 

followed and the standards that will be applied when a party seeks permission from 

the Court to file material under seal.

B. GOOD CAUSE STATEMENT

This action is likely to involve sensitive and confidential personally identifiable 

information, private customer financial information, trade secrets, and other valuable 

research, development, commercial, financial, technical, and/or proprietary 

information for which special protection from public disclosure and from use for any 

purpose other than prosecution of this action is warranted. Such personally 

identifiable, confidential, and proprietary materials and information consist of, among 

other things, names, residential addresses, credit card numbers, financial account 

numbers, private financial transaction information, confidential debt information, 

social security numbers, sensitive credit reporting information, confidential business 

or financial information, information regarding confidential business practices, 

internal manuals, internal business procedures, etc. or other confidential research, 

development, or commercial information (including information implicating privacy 

rights of third parties), information otherwise generally unavailable to the public, or 

which may be privileged or otherwise protected from disclosure under state or federal 

statutes, court rules, case decisions, or common law. Accordingly, to expedite the 

flow of information, to facilitate the prompt resolution of disputes over confidentiality 

of discovery materials, to adequately protect information the parties are entitled to 

keep confidential, to ensure that the parties are permitted reasonable necessary uses of 

such material in preparation for and in the conduct of trial, to address their handling at 

the end of the litigation, and serve the ends of justice, a protective order for such 

information is justified in this matter. It is the intent of the parties that information 

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4 Case No.: 2:24-cv-01397-CSK[PROPOSED]

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will not be designated as confidential for tactical reasons and that nothing be so 

designated without a good faith belief that it has been maintained in a confidential, 

non-public manner, and there is good cause why it should not be part of the public 

record of this case.

2. DEFINITIONS

2.1 Action: Steffey v. Affirm Loan Services, LLC, et al., U.S.D.C. for the 

Eastern District of California, Case No. 2:24-cv-01397-CSK.

2.2 Challenging Party: a Party or Non-Party that challenges the designation 

of information or items under this Order.

2.3 “CONFIDENTIAL” Information or Items: information (regardless of 

how it is generated, stored, or maintained) or tangible things that qualify for protection 

under Federal Rule of Civil Procedure 26(c), and as specified above in the Good Cause 

Statement.

2.4 “CONFIDENTIAL — ATTORNEYS’ EYES ONLY” Information or 

Items: otherwise “CONFIDENTIAL” information (regardless of how it is generated, 

stored or maintained) or tangible things where there is a substantial risk of identifiable 

harm to the Producing Party if particular documents it designates as 

“CONFIDENTIAL – ATTORNEYS’ EYES ONLY” are disclosed to all other parties 

or non-parties to this action.

2.5 Counsel: Outside Counsel of Record and House Counsel (as well as 

their support staff).

2.6 Designating Party: a Party or Non-Party that designates information or 

items that it produces in disclosures or in responses to discovery as “CONFIDENTIAL

or “CONFIDENTIAL – ATTORNEYS’ EYES ONLY.”

2.7 Disclosure or Discovery Material: all items or information, regardless 

of the medium or manner in which it is generated, stored, or maintained (including, 

among other things, testimony, transcripts, and tangible things), that are produced or 

generated in disclosures or responses to discovery in this matter.

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5 Case No.: 2:24-cv-01397-CSK[PROPOSED]

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2.8 Expert: a person with specialized knowledge or experience in a matter 

pertinent to the litigation who has been retained by a Party or its counsel to serve as 

an expert witness or as a consultant in this Action.

2.9 House Counsel: attorneys who are employees of a party to this Action. 

House Counsel does not include Outside Counsel of Record or any other outside 

counsel.

2.10 Non-Party: any natural person, partnership, corporation, association, or 

other legal entity not named as a Party to this action.

2.11 Outside Counsel of Record: attorneys who are not employees of a party 

to this Action but are retained to represent or advise a party to this Action and have 

appeared in this Action on behalf of that party or are affiliated with a law firm which 

has appeared on behalf of that party, and includes support staff.

2.12 Party: any party to this Action, including all of its officers, directors, 

employees, consultants, retained experts, and Outside Counsel of Record (and their 

support staffs).

2.13 Producing Party: a Party or Non-Party that produces Disclosure or 

Discovery Material in this Action.

2.14 Professional Vendors: persons or entities that provide litigation support 

services (e.g., photocopying, videotaping, translating, preparing exhibits or 

demonstrations, and organizing, storing, or retrieving data in any form or medium) and 

their employees and subcontractors.

2.15 Protected Material: any Disclosure or Discovery Material that is 

designated as “CONFIDENTIAL” or “CONFIDENTIAL – ATTORNEYS’ EYES 

ONLY.”

2.16 Receiving Party: a Party that receives Disclosure or Discovery Material 

from a Producing Party.

3. SCOPE

The protections conferred by this Stipulation and Order cover not only Protected 

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6 Case No.: 2:24-cv-01397-CSK[PROPOSED]

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Material (as defined above), but also (1) any information copied or extracted from 

Protected Material; (2) all copies, excerpts, summaries, or compilations of Protected 

Material; and (3) any testimony, conversations, or presentations by Parties or their 

Counsel that might reveal Protected Material.

Any use of Protected Material at trial shall be governed by the orders of the trial 

judge. This Order does not govern the use of Protected Material at trial. In other words, 

this Order shall govern pretrial proceedings only, and nothing set forth herein prohibits 

the use at trial of any Confidential Information or affects the admissibility of any 

evidence. The procedures to govern the use and disclosure of Confidential 

Information and the redaction of any “Confidential” or “Confidential Information” 

designation may be the subject of further agreement of the Parties or order of the Court.

Nothing herein shall be construed as limiting a Party’s use of its own 

Confidential Information and such use shall not constitute a waiver of the terms of this 

Order or the status of such information as Confidential Information. Any of the Parties 

can remove their designation of Confidential Information from any information it has 

previously so designated. 

4. DURATION

Even after final disposition of this litigation, the confidentiality obligations 

imposed by this Order shall remain in effect until a Designating Party agrees otherwise 

in writing or a court order otherwise directs. Final disposition shall be deemed to be

the later of (1) dismissal of all claims and defenses in this Action, with or without 

prejudice; and (2) final judgment herein after the completion and exhaustion of all 

appeals, rehearings, remands, trials, or reviews of this Action, including the time limits 

for filing any motions or applications for extension of time pursuant to applicable law.

5. DESIGNATING PROTECTED MATERIAL

5.1 Exercise of Restraint and Care in Designating Material for Protection. 

Each Party or Non-Party that designates information or items for protection under this 

Order must take care to limit any such designation to specific material that qualifies 

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7 Case No.: 2:24-cv-01397-CSK[PROPOSED]

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under the appropriate standards. The Designating Party must designate for protection 

only those parts of material, documents, items, or oral or written communications that 

qualify so that other portions of the material, documents, items, or communications

for which protection is not warranted are not swept unjustifiably within the ambit of 

this Order.

Mass, indiscriminate, or routinized designations are prohibited. Designations 

that are shown to be clearly unjustified or that have been made for an improper purpose 

(e.g., to unnecessarily encumber the case development process or to impose 

unnecessary expenses and burdens on other parties) may expose the Designating Party 

to sanctions.

If it comes to a Designating Party’s attention that information or items that it 

designated for protection do not qualify for protection, that Designating Party must 

promptly notify all other Parties that it is withdrawing the inapplicable designation.

5.2 Manner and Timing of Designations. Except as otherwise provided in 

this Order (see, e.g., second paragraph of section 5.2(a) below), or as otherwise 

stipulated or ordered, Disclosure or Discovery Material that qualifies for protection 

under this Order must be clearly so designated before the material is disclosed or 

produced.

Designation in conformity with this Order requires:

(a) for information in documentary form (e.g., paper or electronic 

documents, but excluding transcripts of depositions or other pretrial or trial 

proceedings), that the Producing Party affix at a minimum, the legend 

“CONFIDENTIAL” or “CONFIDENTIAL – ATTORNEYS’ EYES ONLY” 

(hereinafter “CONFIDENTIAL legend”), to each page that contains protected 

material. If only a portion or portions of the material on a page qualifies for protection, 

the Producing Party also must clearly identify the protected portion(s) (e.g., by making 

appropriate markings in the margins).

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8 Case No.: 2:24-cv-01397-CSK[PROPOSED]

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Deposition testimony can be designated by the Parties as Confidential 

Information. Such designation will be made on the record if possible, but the Parties 

can designate portions of such testimony as Confidential Information by providing 

written notice of such designation to the opposing Parties within thirty (30) days of 

receipt of the transcribed testimony by counsel. Until thirty (30) days after receipt of 

the transcribed testimony, such testimony shall be treated by the Parties as 

Confidential Information.

A Party or Non-Party that makes original documents available for inspection 

need not designate them for protection until after the inspecting Party has indicated 

which documents it would like copied and produced. During the inspection and before 

the designation, all of the material made available for inspection shall be deemed 

“CONFIDENTIAL.” After the inspecting Party has identified the documents it wants 

copied and produced, the Producing Party must determine which documents, or 

portions thereof, qualify for protection under this Order. Then, before producing the 

specified documents, the Producing Party must affix the “CONFIDENTIAL legend” 

to each page that contains Protected Material. If only a portion or portions of the 

material on a page qualifies for protection, the Producing Party also must clearly 

identify the protected portion(s) (e.g., by making appropriate markings in the margins).

(b) for testimony given in depositions that the Designating Party 

identify the Disclosure or Discovery Material on the record, before the close of the 

deposition all protected testimony.

(c) for information produced in some form other than documentary 

and for any other tangible items, that the Producing Party affix in a prominent place 

on the exterior of the container or containers in which the information is stored the 

legend “CONFIDENTIAL.” If only a portion or portions of the information warrants 

protection, the Producing Party, to the extent practicable, shall identify the protected 

portion(s).

5.3 Inadvertent Failures to Designate. If timely corrected, an inadvertent 

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failure to designate qualified information or items does not, standing alone, waive the 

Designating Party’s right to secure protection under this Order for such material. Upon 

timely correction of a designation, the Receiving Party must make reasonable efforts 

to assure that the material is treated in accordance with the provisions of this Order.

6. CHALLENGING CONFIDENTIALITY DESIGNATIONS

6.1 Timing of Challenges. Any Party or Non-Party may challenge a 

designation of confidentiality at any time that is consistent with the Court’s Scheduling 

Order.

6.2 Meet and Confer. The Challenging Party shall initiate the dispute 

resolution process under Local Rule 251. 

6.3 The burden of persuasion in any such challenge proceeding shall be on 

the Designating Party. Frivolous challenges, and those made for an improper purpose 

(e.g., to harass or impose unnecessary expenses and burdens on other parties) may 

expose the Challenging Party to sanctions. Unless the Designating Party has waived 

or withdrawn the confidentiality designation, all parties shall continue to afford the 

material in question the level of protection to which it is entitled under the Producing 

Party’s designation until the Court rules on the challenge.

7. ACCESS TO AND USE OF PROTECTED MATERIAL

7.1 Basic Principles. A Receiving Party may use Protected Material that is 

disclosed or produced by another Party or by a Non-Party in connection with this 

Action only for prosecuting, defending, or attempting to settle this Action. Such 

Protected Material may be disclosed only to the categories of persons and under the 

conditions described in this Order. When the Action has been terminated, a Receiving 

Party must comply with the provisions of section 13 below (FINAL DISPOSITION).

Protected Material must be stored and maintained by a Receiving Party at a 

location and in a secure manner that ensures that access is limited to the persons 

authorized under this Order.

7.2 Disclosure of “CONFIDENTIAL” Information or Items. Unless 

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otherwise ordered by the court or permitted in writing by the Designating Party, a 

Receiving Party may disclose any information or item designated “CONFIDENTIAL” 

only to:

(a) the Receiving Party’s Outside Counsel of Record in this Action, as 

well as employees of said Outside Counsel of Record to whom it is reasonably 

necessary to disclose the information for this Action;

(b) the officers, directors, and employees (including House Counsel) 

of the Receiving Party to whom disclosure is reasonably necessary for this Action;

(c) Experts (as defined in this Order) of the Receiving Party to whom 

disclosure is reasonably necessary for this Action and who have signed the 

“Acknowledgment and Agreement to Be Bound” (Exhibit A);

(d) the court and its personnel;

(e) court reporters and their staff;

(f) professional jury or trial consultants, mock jurors, and Professional 

Vendors to whom disclosure is reasonably necessary for this Action and who have 

signed the “Acknowledgment and Agreement to Be Bound” (Exhibit A);

(g) the author or recipient of a document containing the information or 

a custodian or other person who otherwise possessed or knew the information;

(h) during their depositions, witnesses ,and attorneys for witnesses, in 

the Action to whom disclosure is reasonably necessary provided: (1) the deposing 

party requests that the witness sign the form attached as Exhibit 1 hereto; and (2) they 

will not be permitted to keep any confidential information unless they sign the 

“Acknowledgment and Agreement to Be Bound” (Exhibit A), unless otherwise agreed 

by the Designating Party or ordered by the court. Pages of transcribed deposition 

testimony or exhibits to depositions that reveal Protected Material may be separately 

bound by the court reporter and may not be disclosed to anyone except as permitted 

under this Stipulated Protective Order; and

(i) any mediator or settlement officer, and their supporting personnel, 

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mutually agreed upon by any of the parties engaged in settlement discussions.

7.3 Disclosure of “CONFIDENTIAL — ATTORNEYS’ EYES ONLY” 

Information or Items: Except with the prior written consent of the individual or entity 

designating a document or portions of a document as “Confidential—Attorneys’ Eyes 

Only,” or pursuant to prior Order after notice, any document, transcript or pleading 

given “Confidential—Attorneys’ Eyes Only” treatment under this Order, and any 

information contained in or derived from any such materials (including but not limited 

to, all deposition testimony that refers to, reflects or otherwise discusses any 

information designated “Confidential—Attorneys’ Eyes Only” hereunder) may not be 

disclosed other than in accordance with this Order and may not be disclosed to any 

person other than: 

(a) a party’s retained outside counsel of record in this action, as well 

as employees of said outside counsel to whom it is reasonably necessary to disclose 

the information for this litigation and who have signed the “Acknowledgement and 

Agreement to be Bound” that is attached hereto as Exhibit A; 

(b) experts specifically retained as consultants or expert witnesses in 

connection with this litigation who have signed the “Acknowledgement and 

Agreement to be Bound” (Exhibit A); 

(c) the Court and its personnel; 

(d) court reporters, their staffs, and professional vendors to whom 

disclosure is reasonably necessary for this litigation and who have signed the 

“Acknowledgement and Agreement to be Bound” (Exhibit A); and 

(e) the author of the document or the original source of the 

information.]

8. PROTECTED MATERIAL SUBPOENAED OR ORDERED 

PRODUCED IN OTHER LITIGATION

If a Party is served with a subpoena or a court order issued in other litigation 

that compels disclosure of any information or items designated in this Action as 

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“CONFIDENTIAL,” that Party must:

(a) promptly notify in writing the Designating Party. Such notification 

shall include a copy of the subpoena or court order;

(b) promptly notify in writing the party who caused the subpoena or 

order to issue in the other litigation that some or all of the material covered by the 

subpoena or order is subject to this Protective Order. Such notification shall include 

a copy of this Stipulated Protective Order; and

(c) cooperate with respect to all reasonable procedures sought to be 

pursued by the Designating Party whose Protected Material may be affected.

If the Designating Party timely seeks a protective order, the Party served with 

the subpoena or court order shall not produce any information designated in this action 

as “CONFIDENTIAL” before a determination by the court from which the subpoena 

or order issued, unless the Party has obtained the Designating Party’s permission. The 

Designating Party shall bear the burden and expense of seeking protection in that court 

of its confidential material and nothing in these provisions should be construed as 

authorizing or encouraging a Receiving Party in this Action to disobey a lawful 

directive from another court.

9. A NON-PARTY’S PROTECTED MATERIAL SOUGHT TO BE 

PRODUCED IN THIS LITIGATION

(a) The terms of this Order are applicable to information produced by 

a Non-Party in this Action and designated as “CONFIDENTIAL.” Such information 

produced by Non-Parties in connection with this litigation is protected by the remedies 

and relief provided by this Order. Nothing in these provisions should be construed as 

prohibiting a Non-Party from seeking additional protections.

(b) In the event that a Party is required, by a valid discovery request, 

to produce a Non-Party’s confidential information in its possession, and the Party is 

subject to an agreement with the Non-Party not to produce the Non-Party’s 

confidential information, then the Party shall:

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(1) promptly notify in writing the Requesting Party and the 

Non-Party that some or all of the information requested is subject to a confidentiality 

agreement with a Non-Party;

(2) promptly provide the Non-Party with a copy of the 

Stipulated Protective Order in this Action, the relevant discovery request(s), and a 

reasonably specific description of the information requested; and

(3) make the information requested available for inspection by 

the Non-Party, if requested.

(c) If the Non-Party fails to seek a protective order from this court 

within 14 days of receiving the notice and accompanying information, the Receiving 

Party may produce the Non-Party’s confidential information responsive to the 

discovery request. If the Non-Party timely seeks a protective order, the Receiving 

Party shall not produce any information in its possession or control that is subject to 

the confidentiality agreement with the Non-Party before a determination by the court. 

Absent a court order to the contrary, the Non-Party shall bear the burden and expense 

of seeking protection in this court of its Protected Material.

10. UNAUTHORIZED DISCLOSURE OF PROTECTED MATERIAL

If a Receiving Party learns that, by inadvertence or otherwise, it has disclosed 

Protected Material to any person or in any circumstance not authorized under this 

Stipulated Protective Order, the Receiving Party must immediately (a) notify in 

writing the Designating Party of the unauthorized disclosures, (b) use its best efforts 

to retrieve all unauthorized copies of the Protected Material, (c) inform the person or 

persons to whom unauthorized disclosures were made of all the terms of this Order, 

and (d) request such person or persons to execute the “Acknowledgment and 

Agreement to Be Bound” that is attached hereto as Exhibit A.

11. INADVERTENT PRODUCTION OF PRIVILEGED OR OTHERWISE 

PROTECTED MATERIAL

When a Producing Party gives notice to Receiving Parties that certain 

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inadvertently produced material is subject to a claim of privilege or other protection, 

the obligations of the Receiving Parties are those set forth in Federal Rule of Civil 

Procedure 26(b)(5)(B). This provision is not intended to modify whatever procedure 

may be established in an e-discovery order that provides for production without prior 

privilege review. Pursuant to Federal Rule of Evidence 502(d) and (e), insofar as the 

parties reach an agreement on the effect of disclosure of a communication or 

information covered by the attorney-client privilege or work product protection, the 

parties may incorporate their agreement in the stipulated protective order submitted to 

the court.

12. MISCELLANEOUS

12.1 Right to Further Relief. Nothing in this Order abridges the right of any 

person to seek its modification by the Court in the future.

12.2 Right to Assert Other Objections. By stipulating to the entry of this 

Protective Order no Party waives any right it otherwise would have to object to 

disclosing or producing any information or item on any ground not addressed in this 

Stipulated Protective Order. Similarly, no Party waives any right to object on any 

ground to use in evidence of any of the material covered by this Protective Order.

12.3 Filing Protected Material. A Party that seeks to file under seal any 

Protected Material must comply with Civil Local Rule 141. Protected Material may 

only be filed under seal pursuant to a court order authorizing the sealing of the specific 

Protected Material at issue. If a Party’s request to file Protected Material under seal is 

denied by the court, then the Receiving Party may file the information in the public 

record unless otherwise instructed by the court.

13. FINAL DISPOSITION

After the final disposition of this Action, as defined in paragraph 4, within 60 

days of a written request by the Designating Party, each Receiving Party must return 

all Protected Material to the Producing Party or destroy such material. As used in this 

subdivision, “all Protected Material” includes all copies, abstracts, compilations, 

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STIPULATED PROTECTIVE ORDER

SL_7035109.1

summaries, and any other format reproducing or capturing any of the Protected 

Material. Whether the Protected Material is returned or destroyed, the Receiving Party 

must submit a written certification to the Producing Party (and, if not the same person 

or entity, to the Designating Party) by the 60 day deadline that (1) identifies (by 

category, where appropriate) all the Protected Material that was returned or destroyed 

and (2) affirms that the Receiving Party has not retained any copies, abstracts, 

compilations, summaries or any other format reproducing or capturing any of the 

Protected Material. Notwithstanding this provision, Counsel are entitled to retain an 

archival copy of all pleadings, motion papers, trial, deposition, and hearing transcripts, 

legal memoranda, correspondence, deposition and trial exhibits, expert reports, 

attorney work product, and consultant and expert work product, even if such materials 

contain Protected Material. Any such archival copies that contain or constitute 

Protected Material remain subject to this Protective Order as set forth in Section 4 

(DURATION).

14. Any violation of this Order may be punished by any and all appropriate 

measures including, without limitation, contempt proceedings and/or monetary 

sanctions.

IT IS SO STIPULATED, THROUGH COUNSEL OF RECORD.

 /s/ Mikayla Regier DATED: 10/22/2024 

Elizabeth A. Wagner, Esq.

Mikayla G. Regier, Esq.

Attorneys for Plaintiff, BILLY STEFFEY

 /s/ Todd Norris DATED: 10/22/2024 

C. Todd Norris, Esq.

Attorneys for Defendant, TD BANK, N.A.

 /s/ Daniel Armstrong DATED: 10/22/2024 Daniel A. Armstrong, Esq.

Attorneys for Defendant, AFFIRM LOAN SERVICES, LLC

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 /s/ Daniel Armstrong DATED: 10/22/2024 Daniel A. Armstrong, Esq.

Attorneys for Defendant, DISCOVER BANK

 /s/ Richard Hymas DATED: 10/22/2024 

Richard M. Hymas, Esq.

Attorneys for Defendant, RC WILLEY HOME FURNISHINGS

 /s/ Mariel Gerlt-Ferraro DATED: 10/22/2024 

Mariel Gerlt-Ferraro, Esq.

Attorneys for Defendant, ROBINHOOD CREDIT, INC.. 

 /s/ Alice Hodsden DATED: 10/22/2024 

Alice Hodsden, Esq.

Attorneys for Defendant, EQUIFAX INFORMATION SERVICES, LLC

 /s/ Madison Way DATED: 10/22/2024 

Madison Robins Way, Esq.

Attorneys for Defendant, EXPERIAN INFORMATION SOLUTIONS, INC.

 /s/ Ritika Singh DATED: 10/22/2024 

Ritika Singh, Esq.

Attorneys for Defendant, TRANS UNION, LLC

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SL_7035109.1

EXHIBIT A

ACKNOWLEDGMENT AND AGREEMENT TO BE BOUND

I, ___________________________________ [print or type full name], of 

___________________________ [print or type full address], declare under penalty of 

perjury that I have read in its entirety and understand the Stipulated Protective Order 

that was issued by the United States District Court for the Eastern District of California 

on [date] in the case of Steffey v. Affirm Loan Services, LLC, et al., U.S.D.C. for the 

Eastern District of California, Case No. 2:24-cv-01397-CSK. I agree to comply with 

and to be bound by all the terms of this Stipulated Protective Order and I understand 

and acknowledge that failure to so comply could expose me to sanctions and 

punishment in the nature of contempt. I solemnly promise that I will not disclose in 

any manner any information or item that is subject to this Stipulated Protective Order 

to any person or entity except in strict compliance with the provisions of this Order.

I further agree to submit to the jurisdiction of the United States District Court 

for the Eastern District of California for the purpose of enforcing the terms of this 

Stipulated Protective Order, even if such enforcement proceedings occur after 

termination of this action. I hereby appoint ___________________________ [print 

or type full name] of _______________________________________ [print or type 

full address and telephone number] as my California agent for service of process in 

connection with this action or any proceedings related to enforcement of this 

Stipulated Protective Order.

Date:

City and State where sworn and signed:

Printed name: 

Signature:

Case 2:24-cv-01397-DAD-CSK Document 69 Filed 10/28/24 Page 17 of 17