Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-cand-4_05-cv-03851/USCOURTS-cand-4_05-cv-03851-10/pdf.json

Nature of Suit Code: 890
Nature of Suit: Other Statutory Actions
Cause of Action: 15:1681 Fair Credit Reporting Act

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UNITED STATES DISTRICT COURT 

NORTHERN DISTRICT OF CALIFORNIA 

MICHELLE HOGAN, DAVID HOGAN, KAY 

CARTWRIGHT, and WILLIAM 

CARTWRIGHT, on Behalf of Themselves and 

All Others Similarly Situated, 

Plaintiffs, 

v. 

PMI MORTGAGE INSURANCE CO., 

Defendant. 

Case No. C 05 3851 PJH 

CLASS ACTION 

AMENDED FINAL ORDER AND 

JUDGMENT APPROVING 

SETTLEMENT, CERTIFYING 

SETTLEMENT CLASS, AND 

DISMISSING ACTIONS 

FINAL ORDER AND JUDGMENT APPROVING SETTLEMENT, 

CERTIFYING SETTLEMENT CLASS, AND DISMISSING ACTIONS

This matter having come before the Court on April 4, 2007 upon the Motion of plaintiffs 

Michelle Hogan, David Hogan, Kay Cartwright, and William Cartwright (“Plaintiffs”), 

individually and on behalf of a class of persons, for final approval of a settlement reached 

between the Parties, and upon review and consideration of the Second Amended Settlement 

Agreement dated March 30, 2007 (the “Settlement Agreement” or “Agreement”) and the exhibits 

thereto, the evidence and arguments of counsel presented at the Court Approval Hearing, the 

memoranda filed with this Court, and any objections to and comments upon the Settlement, IT IS 

HEREBY ORDERED and adjudged as follows: 

1. The Settlement Agreement is hereby incorporated by reference into this Final 

Order and Judgment Approving Settlement, Certifying Settlement Class, and Dismissing Actions 

(“Order”), and is hereby adopted by this Court. Capitalized terms in this Order shall, unless 

otherwise defined, have the same meaning as in the Agreement. 

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2. For settlement purposes only, the Settlement Class is found to meet the relevant 

requirements of Fed. R. Civ. P. 23(a) and (b)(3). 

3. Solely for the purpose of the Settlement and pursuant to Fed. R. Civ. P. 23(a) and 

(b)(3), the Court hereby finally certifies the following Settlement Class: 

All persons who paid to their mortgage lender all or a portion of the premium for a 

Borrower-paid mortgage insurance coverage issued by Defendant to a mortgage 

lender during the Class Period, where the premium for that mortgage insurance was 

higher based upon information in that individual’s Credit Report. 

4. The Court appoints Representative Plaintiffs as representatives of the Settlement 

Class, and finds that they meet the requirements of Fed. R. Civ. P. 23. 

5. The Court appoints the following lawyers as counsel to the Settlement Class, and 

finds that these counsel meet the requirements of Fed. R. Civ. P. 23: 

Terry A. Smiljanich 

JAMES, HOYER, NEWCOMER & SMILJANICH, P.A. 

One Urban Centre, Suite 550 

4830 West Kennedy Blvd. 

Tampa, FL 33609-2589 

(813) 286-4100 

(813) 286-4174 (FAX) 

Douglas Bowdoin 

Douglas Bowdoin, P.A. 

255 South Orange Avenue, Suite 800 

Orlando, FL 33801 

6. As set forth in the Class Notice, this Court convened the Court Approval Hearing 

on December 13, 2006, in Courtroom 3, 17th Floor, San Francisco, of the United States District 

Court for the Northern District of California. 

7. Pursuant to Fed. R. Civ. P. 23(e), the Settlement of the Actions, as embodied in 

terms of the Settlement Agreement, is hereby finally approved as a fair, reasonable, and adequate 

settlement of the Actions in light of the factual, legal, practical, and procedural considerations 

raised by them. 

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8. The Court finds that notice previously given to Class Members in the Actions was 

the best notice practicable under the circumstances, and satisfies the requirements of due process 

and Fed. R. Civ. P. 23. The Court further finds that, because (a) adequate notice has been 

provided to all Class Members and (b) all Class Members have been given the opportunity to 

object to, and/or request exclusion from, the Settlement, the Court has jurisdiction over all Class 

Members. 

9. After due consideration of Representative Plaintiffs’ likelihood of success at trial; 

the range of Representative Plaintiffs’ possible recovery; the complexity, expense, and duration 

of the litigation; the nature of any opposition to the Settlement; the reaction of Class Members to 

the Settlement; the state of proceedings at which the Settlement was achieved; the nature of the 

negotiations leading to the Settlement; the litigation risks to Representative Plaintiffs and the 

Class Members; all written submissions, affidavits, and arguments of counsel; and after notice 

and a hearing, this Court finds that the terms of the Settlement and the Agreement, including all 

exhibits thereto, are fair, adequate, and reasonable, and are in the best interest of the Settlement 

Class. Accordingly, the Agreement should be and is approved and shall govern all issues 

regarding the Settlement and all rights of the Parties, including the Class Members. 

10. Upon consideration of Class Counsel’s application for attorneys’ fees and 

litigation costs, the amount of the Attorney Fee/Litigation Cost Award is hereby fixed at 

$________________. This award covers, without limitation, any and all claims for attorneys’ 

fees and litigation costs incurred by (a) Plaintiffs’ Counsel, (b) any other counsel representing (or 

purporting to represent) Representative Plaintiffs (or any of them) or Class Members (or any of 

them), and (c) Representative Plaintiffs (or any of them) or the Class Members (or any of them) 

in connection with or related to any matter in the Actions, the Settlement, the administration of 

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317,000.00

Case 4:05-cv-03851-PJH Document 85 Filed 04/10/07 Page 3 of 8
the Settlement, and any of the matters or claims within the scope of the Release, as embodied in 

paragraphs 4.1 and 4.2 of the Agreement. 

11. Upon consideration of Representative Plaintiffs’ application for an award to 

Representative Plaintiffs, the amount of the Representative Award is hereby fixed at $_________ 

to Michelle and David Hogan, and $_______ to Kay and William Cartwright. 

12. In accordance with the Agreement, and to effectuate the Settlement, Defendant 

shall cause: 

 (a) the Settlement Checks to be provided to Class Members who timely 

submitted a Valid Claim Form in accordance with the terms of the Agreement; 

 (b) the Settlement Administrator to request the Settlement Credit Reports in 

accordance with the terms of the Agreement; 

 (c) the Attorney Fee/Litigation Cost Award made in Paragraph 10 above to be 

disbursed to Class Counsel in accordance with the terms of the Agreement; and 

 (d) the Representative Awards made in Paragraph 11 above to be disbursed to 

Class Counsel in accordance with the terms of the Agreement. 

13. The Actions and all claims against PMI Mortgage Insurance Co. are hereby 

dismissed on the merits and with prejudice, and the Clerk is directed to enter this Judgment to 

that effect in the Actions. The judgment shall be without costs to any Party. 

14. Representative Plaintiffs, Plaintiffs’ Counsel, and each Class Member (except 

those who are Successful Opt-Outs and appear on a list that is on file with the Court under seal to 

protect the privacy of those persons, which list is incorporated herein and made a part hereof) 

shall be forever bound by this Order and the Agreement, including the Release and covenants not 

to sue set forth in paragraphs 4.1 and 4.2 of the Agreement providing as follows: 

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2,000.00 2,000.00

Case 4:05-cv-03851-PJH Document 85 Filed 04/10/07 Page 4 of 8
4.1 Upon Final Approval, and in consideration of the promises and covenants 

set forth in this Agreement, Representative Plaintiffs and each Class Member who 

is not a Successful Opt-Out from the Settlement Class, and their respective heirs, 

executors, administrators, successors, representatives, attorneys, agents, partners, 

assigns, co-obligors, co-guarantors, guarantors, sureties, and all those who claim 

through them or who assert claims (or could assert claims) on their behalf 

(including bankruptcy trustees on behalf of creditors or estates of the releasors) 

(collectively, the “Class Releasing Parties”) do hereby unconditionally and 

irrevocably remise, release, and discharge PMI from, and do hereby 

unconditionally and irrevocably agree not to commence any judicial action against 

PMI arising out of, any and all past and present claims, counterclaims, actions, 

causes of action, lawsuits, set-offs, costs, losses, rights, or liabilities, of whatever 

kind or character, direct or indirect, whether known or unknown or capable of 

being known as of the date hereof, whether existing now or to come into existence 

in the future, arising at law or in equity, by a right of action or otherwise, whether 

or not they were asserted or could have been asserted in the Action, which the 

Class Releasing Parties or any of them have, may have, or may come to have, 

individually or as members of a class, against PMI based on, arising out of, or in 

any way relating or pertaining to (a) all claims that were asserted, or attempted to 

be asserted, or could have been asserted, in the Action; (b) PMI’s provision of or 

failure to provide any notice of adverse action under FCRA; (c) PMI’s accessing or 

obtaining of Credit Reports or consumer credit information; (d) PMI’s alleged 

failure to comply with the requirements of FCRA or the CCRAA relating to the 

provision of adverse action notices or the accessing or obtaining of Credit Reports 

and/or consumer credit information; (e) written and oral disclosures, 

representations, omissions, or statements concerning the use or potential use of 

consumer Credit Reports and/or consumer credit information in the pricing of 

mortgage insurance policies; and (f) written and oral disclosures, representations, 

omissions, or statements made in connection with accessing or obtaining consumer 

Credit Reports and/or consumer credit information. This Release shall not be 

construed to release or waive any claims, counterclaims, actions, causes of action, 

lawsuits, set-offs, costs, losses, rights, or liabilities that the Representative 

Plaintiffs and Class Members do not have the power or authority to remise, release, 

or discharge. This Release shall be included as part of any judgment, so that all 

released claims and rights shall be barred by principles of res judicata, collateral 

estoppel, and claim and issue preclusion. This Release shall not be construed as 

affecting any claims regarding conduct that occurs after the Final Approval Date. 

4.2 In addition to the provisions of paragraph 4.1, the Class Releasing Parties 

hereby expressly agree that, upon Final Approval, each will waive and release any 

and all provisions, rights, and benefits conferred either (a) by Section 1542 of the 

California Civil Code, or (b) by any law of any state or territory of the United 

States, or principle of common law, which is similar, comparable, or equivalent to 

section 1542 of the California Civil Code, with respect to the claims released 

pursuant to paragraph 4.1. Section 1542 of the California Civil Code reads: 

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Section 1542. General Release, extent. A general 

release does not extend to claims which the creditor 

does not know or suspect to exist in his favor at the time 

of executing the release, which if known by him must 

have materially affected his settlement with the debtor. 

Whether a beneficiary of California law or otherwise, Representative Plaintiff and 

each of the Class Releasing Parties acknowledges that he or she may hereafter 

discover facts other than or different from those that he or she knows or believes 

to be true with respect to the subject matter of the claims released pursuant to the 

terms of paragraph 4.1, but each of those individuals expressly agrees that, upon 

entry of the final judgment contemplated by this Settlement Agreement, he and 

she shall have waived and fully, finally, and forever settled and released any 

known or unknown, suspected or unsuspected, asserted or unasserted, contingent 

or non-contingent claim with respect to the claims released pursuant to paragraph 

4.1, whether or not concealed or hidden, without regard to subsequent discovery 

or existence of such different or additional facts. This Release shall not be 

construed as affecting any claims regarding conduct that occurs after the Final 

Approval Date. 

15. The Release set forth in paragraph 14 above and in the Agreement shall have res 

judicata and other preclusive effect in all pending and future claims, lawsuits, and other 

proceedings maintained by or on behalf of Representative Plaintiffs, Class Members (except the 

Successful Opt-Outs), and/or the Class Releasing Parties concerning matters and claims that 

were or could have been asserted in the Actions, and/or are encompassed within the scope of the 

Release, as embodied in paragraphs 4.1 and 4.2 of the Agreement. 

16. PMI Mortgage Insurance Co. is hereby released and forever discharged by 

Representative Plaintiffs, Class Members (except the Successful Opt-Outs), and the Class 

Releasing Parties from all matters and claims within the scope of the Release, as embodied in 

paragraphs 4.1 and 4.2 of the Agreement. 

17. Representative Plaintiffs, Plaintiffs’ Counsel, and each and every Class Member 

who is not a Successful Opt-Out are permanently enjoined from bringing, joining, assisting in, or 

continuing to prosecute against PMI Mortgage Insurance Co. or any Released Person any claim 

that was brought in the Actions, or for which a release and covenant not to sue is being given 

under the Agreement. 

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18. This Order, the Agreement, any document referred to herein, any action taken to 

carry out this Order, any negotiations or proceedings related to any such documents or actions, 

and the carrying out of and entering into the terms of the Agreement, shall not be construed as, 

offered as, received as, or deemed to be evidence, impeachment material, or an admission or 

concession with regard to any fault, wrongdoing, or liability on the part of Defendant whatsoever 

in the Actions, or in any other judicial, administrative, regulatory action, or other proceeding, 

provided, however, this Order may be filed in any action or proceeding against or by PMI 

Mortgage Insurance Co. to enforce the Agreement or to support a defense of res judicata, 

collateral estoppel, release, accord and satisfaction, good-faith settlement, judgment bar or 

reduction, or any theory of claim preclusion or issue preclusion or similar defense or 

counterclaim. 

19. The Parties may, by mutual agreement, amend, modify, or expand the provisions 

of the Agreement, including all exhibits thereto, subject to the conditions and limitations set forth 

in the Agreement. 

20. In the event that Final Approval is not achieved for any reason, then the 

Agreement, this Order, the certification of the Settlement Class, and all other terms herein, 

together with any other orders or rulings arising from or relating to the Agreement, shall be 

rendered null and void and be vacated. 

21. Except as expressly provided for in this Order, the Settlement Agreement shall 

govern all matters incident to the administration of the Settlement hereafter, including as to 

deadlines, until further order of this Court or agreement of the Parties. 

22. Without in any way affecting the finality of this Order and Judgment for purposes 

of appeal, this Court hereby retains jurisdiction as to all matters relating to the interpretation, 

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administration, implementation, effectuation, and/or enforcement of the Agreement and/or this 

Order. 

Dated: ___________________ ______________________________________ 

San Francisco, California Phyllis J. Hamilton UNITED STATES DISTRICT 

COURT NORTHERN DISTRICT OF 

CALIFORNIA 

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sf-2293052 

April 4, 2007

UNITED STATES DISTRICT COURT

NORTHERN DISTRICT OF CALIFORN

I

A

IT IS SO ORDERED

Judge Phyllis J. Hamilton

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