J-A19029-23

NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT O.P. 65.37

FIVE STAR BANK AND FINANCIAL 

INSTITUTIONS, INC., 

Appellants

v.

MATTHEW CHIPEGO, CHARLENE 

MOWREY, CONSTANCE CHURCHILL

AND JOSEPH EWING, INDIVIDUALLY 

AND ON BEHALF OF SIMILARLY 

SITUATED INDIVIDUALS

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 IN THE SUPERIOR COURT OF

 PENNSYLVANIA

 No. 2432 EDA 2022

Appeal from the Order Entered December 7, 2021

In the Court of Common Pleas of Philadelphia County 

Civil Division at No: 170502466

BEFORE: BOWES, J., STABILE, J., and PELLEGRINI, J.*

MEMORANDUM BY STABILE, J.: FILED FEBRUARY 13, 2024

Individuals from Pennsylvania and New York (collectively “the 

Borrowers”) filed this class action alleging that Appellant, Five Star Bank and 

Financial Institutions, Inc. (“the Bank”), violated the Borrowers’ rights under 

the Uniform Commercial Code in the course of repossessing their vehicles. In 

an order dated October 7, 2022, this Court granted the Bank leave to take an 

interlocutory appeal from a December 7, 2021 order denying the Bank’s

motion to dismiss the New York branch of this action for lack of standing. The 

same order directed the parties to brief whether the trial court has subject 

matter jurisdiction over the New York branch of this action. We hold that the 

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* Retired Senior Judge assigned to the Superior Court.
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trial court has subject matter jurisdiction over the New York branch of this 

action, and that the New York plaintiffs have standing to pursue relief against 

the Bank in this action. Accordingly, we affirm. 

On May 16, 2017, the Borrowers, two individuals from Pennsylvania and 

two from New York (“the New York plaintiffs”), filed a consumer class action 

on behalf of borrowers who had their vehicles repossessed by the Bank. The 

Borrowers alleged that the Bank’s repossession practices, particularly 

repossession notices that the Bank sent to the Borrowers, violated various 

provisions in Pennsylvania’s and New York’s Uniform Commercial Codes

(“UCC”).

1 Since the Bank’s appeal focuses on the New York plaintiffs, we 

concentrate our attention on the alleged violations of New York’s UCC.

The Bank filed preliminary objections to the complaint alleging lack of 

personal jurisdiction and improper venue. The trial court overruled the Bank’s 

preliminary objections. 

The Borrowers filed an amended complaint replacing one of the original 

plaintiffs with another individual. 

The amended complaint alleged the following relating to the two New 

York plaintiffs. The first plaintiff, Constance Churchill, purchased and financed 

a 2007 Dodge Dakota pickup truck for personal use from West Herr Dodge in 

Orchard Park, NY. Amended Complaint at ¶ 37. The Bank financed Churchill’s 

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1 The complaint alleged violations of 13 Pa.C.S.A. §§ 9610-9614 and N.Y. UCC 

§§ 9-610-9-614 (McKinney). The complaint sought damages against the Bank 

under 13 Pa.C.S.A. § 9625 and N.Y. UCC § 9-625. Pennsylvania’s and New 

York’s versions of these statutes are identical. 
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purchase and took a security interest in the vehicle. Id. at ¶¶ 38-39. 

Churchill’s finance transaction made the Bank the secured party, and monthly 

payments were made to the Bank. Id. at ¶ 40. Churchill fell behind on her 

monthly payments, and the Bank determined there was a default. Id. at ¶ 41. 

Accordingly, the Bank, as the lender and secured party, repossessed 

Churchill’s Dodge vehicle or ordered that it be repossessed. Id. at ¶ 42. 

Article 9, Part 6 of New York’s UCC requires a prompt post-repossession 

notice to the borrower advising of the repossession and that the borrower can 

“redeem” (or get her vehicle back) by paying past due payments and fees, 

the method of intended disposition, whether the debtor may be liable for a 

deficiency or entitled to a surplus, and other information. Id. at ¶ 43 (citing 

N.Y. UCC § 9-614(a)(1), incorporating N.Y. UCC § 9-613(a); N.Y. Gen. Oblig. 

Law § 7-401(2)). The Bank sent a letter to Churchill enclosing a Notice of 

Right to Redeem (“Repossession Notice”). Id. at ¶ 44. According to the 

amended complaint, the Repossession Notice did not state the method of 

intended disposition. Id. at ¶ 45. While stating that the vehicle would be 

sold, the Repossession Notice did not state whether it would be sold by public 

or private sale, as required by N.Y. UCC § 9-614(a)(1), incorporating N.Y. UCC

§ 9-613(a)(3). Id. at ¶ 46. If sold by public sale, the Repossession Notice 

failed to list the required statement of the date and place of any public sale or 

auction, as required by N.Y. UCC § 9-614(a)(1), incorporating N.Y. UCC § 9-

613(a)(5). Id. at ¶ 47. The Repossession Notice did not advise the borrower 

that she was entitled to an accounting of any unpaid indebtedness or the 
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charge (if any) for such an accounting, as required by N.Y. UCC § 9-614(a)(1), 

incorporating N.Y. UCC § 9-613(a)(4). Id. at ¶ 48. The Repossession Notice 

did not provide an itemized statement of the dollar amount needed to redeem, 

as required by N.Y. UCC § 9-611(b) and N.Y. Gen. Oblig. Law § 7-401(2). Id. 

at ¶ 49. Instead, it conditioned redemption of the vehicle on payment of 

undescribed and unincurred “estimated” expenses, or lump sum “storage 

costs” not yet incurred. Id. at ¶ 50. These violations subjected the Bank to 

minimum damages under N.Y. UCC § 9-625(c)(2) of not less than the credit 

service charge plus 10% of the principal amount of the obligation. Id. at ¶ 

76.

The Borrowers made virtually identical allegations with regard to a 

second New York plaintiff, Joseph Ewing. Id. at ¶¶ 56-64.

The Bank did not file preliminary objections to the amended complaint, 

electing instead to file an answer to the amended complaint. 

After several years of discovery, the Borrowers moved for class 

certification. On September 30, 2021, the trial court certified two subclasses

of consumer borrowers from Pennsylvania and two from New York to pursue 

claims for statutory damages under the UCC. The two subclasses of New York 

plaintiffs were (1) persons whose vehicles were sold or auctioned by the Bank, 

leaving a surplus or alleged deficiency balance, and (2) persons whose 

vehicles were not yet sold or auctioned by the Bank. Order, 9/30/21. The 

court divided Pennsylvania plaintiffs into identical subclasses. Id. Notice of 

this action was mailed to over 6,300 class members. 
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The Bank filed a “motion to dismiss” alleging that the Borrowers lacked 

standing to sue. On December 7, 2021, the trial court denied the motion to 

dismiss. On December 20, 2021, the Bank filed a petition for permission to 

take an interlocutory appeal to this Court. The trial court took no action on 

this petition, and it was deemed denied on January 19, 2021. Pa.R.A.P. 

1311(b) (petition to take interlocutory appeal by permission deemed denied 

if trial court fails to act upon it within thirty days after date of filing). 

On February 9, 2022, the Bank filed a timely petition in this Court for 

leave to take an interlocutory appeal as to whether the New York residents 

have standing to bring suit in a Pennsylvania court. Id. (petition for leave to 

take interlocutory appeal must be filed in appellate court within thirty days 

after petition is deemed denied by trial court). On October 7, 2022, this Court 

granted the Bank leave to take an interlocutory appeal on the standing issue. 

Our order also directed the parties to brief whether the trial court had subject 

matter jurisdiction to (1) certify the New York subclasses and (2) “determine 

a controversy between New York residents for claimed violations of New York 

law that occurred in New York where the New York plaintiffs seek statutory 

damages that are not available to them under New York law.” Order, 23 EDM 

2022, 10/7/22 (citing Bisher v. Lehigh Valley Health Services, Inc., 265 

A.3d 383, 399 (Pa. 2021) (court may raise question of subject matter 

jurisdiction sua sponte at any time)). 

The Bank raises the following issues in this appeal:
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1. [Did the] trial court have jurisdiction to certify the New York 

subclasses? 

2. [Did the] trial court have subject matter jurisdiction to 

determine a controversy between New York residents for claimed 

violations of New York law that occurred in New York and seek 

classwide damages explicitly prohibited under New York law?

3. [Did the] trial court err in finding that New York residents who 

sued a New York Bank pursuant to New York’s UCC statute

regarding transactions that occurred wholly in New York and

suffered no injury had standing to bring suit in a Pennsylvania

Court?

Bank’s Brief at 2-3.

The first two questions in the Bank’s brief concern whether the trial court 

has subject matter jurisdiction to certify the New York subclasses and resolve 

issues of New York law between New York residents. We answer these 

questions in the affirmative. 

The question of whether a court has subject matter jurisdiction over an 

action is a “pure question of law[.]” Clark v. Peugh, 257 A.3d 1260, 1266 

(Pa. Super. 2021). Subject-matter jurisdiction is “the power of the court to 

hear the cases of the class to which the case before the court belongs, that is, 

to enter into inquiry, whether or not the court may ultimately grant the relief 

requested.” Harley v. HealthSpark Found., 265 A.3d 674, 687 (Pa. Super. 

2021). “Except where exclusive original jurisdiction of an action or proceeding 

is by statute . . . vested in another court of this Commonwealth, the courts of 

common pleas shall have unlimited original jurisdiction of all actions and 

proceedings, including all actions and proceedings heretofore cognizable by 
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law or usage in the courts of common pleas.” 42 Pa.C.S.A. § 931(a). The 

question of subject matter jurisdiction is not waivable and may be raised by a 

court on its own motion. Domus, Inc. v. Signature Building Systems of 

PA, LLC, 252 A.3d 628, 636 (Pa. 2021). 

Subject matter jurisdiction is different from personal jurisdiction. 

Personal jurisdiction is “[the] court’s power to bring a person into its 

adjudicative process.” Grimm v. Grimm, 149 A.3d 77, 83 (Pa. Super. 2016). 

In addition, “personal jurisdiction is readily waivable.” Id. 

In this case, while the Bank challenged the trial court’s personal 

jurisdiction in the trial court, it has abandoned its challenge to personal 

jurisdiction in this appeal. The only jurisdictional argument that the Bank 

raises in this appeal is that the trial court lacks subject matter jurisdiction over 

the New York branch of this action, i.e., the dispute between a subclass of 

New York residents against a New York bank for alleged violations of New York 

law.2 

We agree with the Borrowers that the trial court has subject matter 

jurisdiction over the New York branch of the action. The Judicial Code 

authorizes Pennsylvania courts to apply the law of other states in appropriate 

cases. See 42 Pa.C.S.A. § 5327(b) (“In determining the law of any jurisdiction 

. . . thereof outside this Commonwealth, the tribunal may consider any 

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2 There is no dispute that the trial court has subject matter jurisdiction over 

the claims of the Pennsylvania plaintiffs in this action. 
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relevant material or source, including testimony, whether or not submitted by 

a party or admissible under the rules of evidence”); see also A.Y. v. Janssen 

Pharmaceuticals, Inc., 224 A.3d 1, 17-18, 24-27 (Pa. Super. 2019) 

(applying Tennessee law to substantive claims in product liability action); 

Hammons v. Ethicon, Inc., 190 A.3d 1248, 1258 (Pa. Super. 2018) 

(applying Indiana law to most substantive claims in product liability action and 

New Jersey law to punitive damage claims). In view of these authorities, the 

fact that New York substantive law applies to the claims of the New York 

plaintiffs does not prevent Pennsylvania courts from exercising subject matter 

jurisdiction over the New York branch of this action.

The Bank argues that the trial court’s decision to apply Pennsylvania 

procedural rules instead of what it claims is a New York procedural rule, CPLR 

§ 901(b), demonstrates that the court “is not competent to handle claims 

arising under New York laws.” Bank’s Brief at 16. The Bank contends:

The Court of Common Pleas applied its own procedural rules, 

ignoring the fatal impact of N.Y. CLS CPLR § 901(b) to the claims 

brought by the New York classes. This provision unequivocally 

prohibits no-injury class actions, specifically stating that: 

“[u]nless a statute creating or imposing a penalty, or a minimum 

measure of recovery specifically authorizes the recovery thereof 

in a class action, an action to recover in a penalty, or minimum 

measure of recovery created or imposed by statute may not be 

maintained as a class action.” N.Y. CLS CPLR § 901(b). In other 

words, New York law does not allow a class action to recover a 

minimum measure of recovery created or imposed by statute 

unless the statute specifically authorizes class actions. In the 

instant matter, there is no such authorizing statute. Nothing in 

Article 9 of New York’s Uniform Commercial Code specifically 

authorizes the recovery of such damages in a class action. See, 

e.g., Official Comment 4 to N.Y. CLS UCC § 9-625 (“Subsection 
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(c)(2)) provides a minimum, statutory, damage recovery for a 

debtor and secondary obligor in a consumer-goods transaction”). 

Accordingly, Section 901(b) of N.Y. CLS CPLR bars class actions 

such as that brought here by the New York classes who seek 

statutory damages under N.Y. CLS UCC § 9-625(c).

Bank’s Brief at 16-17.

This argument is devoid of merit. The Bank’s argument is nothing more 

than the contention that the trial court failed to apply the proper law, which, 

according to the Bank, is N.Y. CLS CPLR § 901(b). The allegation that the 

court applied the wrong law comes nowhere close to establishing that it lacks 

subject matter jurisdiction over this case. A court lacks subject matter 

jurisdiction when it lacks authority to hear a particular case, Harley, 265 

A.3d at 687, not merely when, in a party’s opinion, it applies the wrong law 

to the case. We know of no law, nor does the Bank point to any, that prohibits 

the trial court from deciding the New York branch of this case—and the 

authorities gathered above support the opposite conclusion.3

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3 At least one state court outside of New York has exercised subject matter 

jurisdiction over a class action in which the defendants argued that CPLR 

§ 901(b) precluded the class action. See Weber v. U.S. Sterling Securities, 

Inc., 282 Conn. 722, 924 A.2d 816, 827-28 (2007). The plaintiff in Weber 

filed a class action against a New York corporation, a Delaware limited liability 

corporation (“LLC”) and individual members of the LLC residing in Connecticut. 

The plaintiff alleged that the defendants violated the federal Telephone 

Consumer Protection Act, 47 U.S.C. § 227, by sending unsolicited facsimile 

advertisements to 5,000 individuals within New York state. The Connecticut 

Supreme Court held that Section 901(b) applied under choice of law principles 

and went on to conclude that Section 901(b) barred the class action. Id., 924 

A.2d at 827-28. We regard Weber as persuasive authority for the proposition 

that Pennsylvania state courts can exercise subject matter jurisdiction over a

(Footnote Continued Next Page)
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In its third and final argument, the Bank contends that the New York 

residents lack standing to bring an action in a Pennsylvania court because they 

are suing under New York laws, N.Y. UCC §§ 9-610—9-614, for which the 

Pennsylvania legislature never authorized standing, and because they either 

suffered no harm or suffered harm that has no nexus to the alleged 

deficiencies in their repossession notices.

The Borrowers argue that the Bank waived the issue of standing by 

failing to raise it in its preliminary objections to the complaint. Parties, 

however, may challenge standing either in preliminary objections or in the 

answer to the complaint. Drake v. Polyflow, Inc., 109 A.3d 250, 258 (Pa. 

Super. 2015). The Bank alleged in its answer to the complaint with new 

matter that the New York plaintiffs lack standing. Accordingly, The Borrowers’ 

claim of waiver fails.

In order to address the Bank’s standing argument, we must first 

determine the proper standard of review from the denial of the Bank’s “motion 

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class action in which the defendant contends that Section 901(b) precludes 

the action against New York defendants. See Turnpaugh Chiropractic 

Health and Wellness Center, P.C. v. Erie Insurance Exchange, 297 A.3d 

404, 423 n.11 (Pa. Super. 2023) (“[A]lthough we are not bound by decisions 

from . . . courts in other jurisdictions, we may use them for guidance to the 

degree we find them useful, persuasive, and . . . not incompatible with 

Pennsylvania law”). We do not express any opinion as to whether Turnpaugh

is persuasive on the merits of the Bank’s § 901(b) defense, i.e., on whether 

CPLR § 901(b) bars the Borrowers’ action against the Bank. This affirmative 

defense falls outside the scope of our October 7, 2022 order limiting 

interlocutory review to issues of subject matter jurisdiction and standing.
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to dismiss.” While motions to dismiss are permissible in federal court, see 

Fed.R.Civ.P. 12, they are not a cognizable form of procedure under the 

Pennsylvania Rules of Civil Procedure. Accordingly, we will apply the 

standards governing the Pennsylvania motion closest in form to the Bank’s 

motion to dismiss. Since the pleadings were closed at the time of the Bank’s 

motion, we will apply the standards governing motions for judgment on the 

pleadings. 

Appellate review of a trial court’s decision to grant or deny judgment on 

the pleadings 

is limited to determining whether the trial court committed an 

error of law or whether there were facts presented which warrant 

a jury trial. In conducting this review, we look only to the 

pleadings and any documents properly attached thereto. 

Judgment on the pleadings is proper only where the pleadings 

evidence that there are no material facts in dispute such that a 

trial by jury would be unnecessary.

Bowman v. Sunoco, Inc., 986 A.2d 883, 886 (Pa. Super. 2009). In 

reviewing a motion for judgment on the pleadings,

[an] appellate court will apply the same standard employed by the 

trial court. A trial court must confine its consideration to the 

pleadings and relevant documents. The court must accept as true 

all well pleaded statements of fact, admissions, and any 

documents properly attached to the pleadings presented by the 

party against whom the motion is filed, considering only those 

facts which were specifically admitted.

Southwestern Energy Production Co. v. Forest Resources, LLC, 83 A.3d 

177, 185 (Pa. Super. 2013). 
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The parties agree that Pennsylvania law applies to the standing issue. 

See Bank’s Brief at 21-24 (citing Pennsylvania standards); Borrowers’ Brief at 

23, 26 (same). The general parameters for determining standing are as 

follows:

[A] party seeking judicial resolution of a controversy must 

establish as a threshold matter that he has standing to maintain 

the action. The core concept of standing is that a person who is 

not adversely affected in any way by the matter he seeks to 

challenge is not aggrieved thereby and has no standing to obtain 

a judicial resolution to his challenge.

Thus, the inquiry into standing ascertains whether a party is the 

proper party entitled to make the legal challenge to the matter 

involved. A person who has no stake in the matter has no 

standing to obtain judicial resolution of his challenge to the 

matter.

In re Walker, 208 A.3d 472, 475 (Pa. Super. 2019) (citations and footnote 

omitted) (some formatting altered).

In Pennsylvania, standing may be granted by statute. Housing 

Authority of County of Chester v. Pennsylvania State Civil Service 

Com’n (“Housing Authority”), 730 A.2d 935, 941 (Pa. 1999); Milby v. 

Pote, 189 A.3d 1065, 1076–77 (Pa. Super. 2018). When a statute confers 

legal protections, Pennsylvania’s doctrine of standing merely asks whether 

“the interest the plaintiff seeks to protect is arguably within the zone of 

interests to be protected by the statute.” Milby, 189 A.3d at 1076–77. Since 

ex parte repossessions deprive an owner of property without opportunity to 

be heard and have for decades presented opportunity for abuse, the UCC 
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requires a secured party to send specific notice to the borrower after 

repossession advising of certain rights. N.Y. UCC § 9-611(b), 9-614(a). 

The Borrowers allege in this action that the Bank breached its obligation 

under Article 9, Part 6 of New York’s UCC to send proper notice to the New 

York plaintiffs after repossessing their vehicles. In particular, the Borrowers

allege that the Bank’s repossession notice: 

(1) failed to state the method of intended disposition, that is, whether 

the car would be sold by public or private sale, as required by N.Y. UCC 

§ 9-614(a)(1), incorporating N.Y. § UCC 9-613(a)(3); 

(2) failed to state, in the event of a public sale, the date and place of 

any public sale or auction, as required by N.Y. UCC § 9-614(a)(1), 

incorporating N.Y. UCC § 9-613(a)(5); 

(3) failed to advise that the borrower was entitled to an accounting of 

any unpaid indebtedness, and the charge (if any) for such an 

accounting, as required by N.Y. UCC § 9-614(a)(1), incorporating N.Y. 

UCC § 9-613(a)(4); and 

(4) failed to provide an itemized statement of the dollar amount needed 

to redeem, as required by N.Y. UCC § 9-611(b) and N.Y. Gen. Oblig. 

Law § 7-401(2), and instead conditioned redemption of the vehicle on 

payment of undescribed and unincurred “estimated” expenses, or lump 

sum “storage costs” not yet incurred. 
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Amended Complaint at ¶¶ 43-49. In our view, the New York plaintiffs, having 

allegedly suffered violations of their rights under New York’s UCC, are 

individuals whom these UCC provisions are designed to protect. In other 

words, “the interests [they] seeks to protect [are] arguably within the zone of 

interests to be protected by the statute.” Milby, 189 A.3d at 1076–77. Thus, 

they have standing to seek relief against the Bank for violations of New York’s 

UCC. 

Further, New York’s UCC affords the New York plaintiffs the right, 

whenever the secured party failed to comply with Article 9, Part 6, to seek 

statutory damages based upon the formula in N.Y. UCC § 9-625(c)(2). This 

provision states that statutory damages include minimum damages of not less 

than the credit service charge plus 10% of the principal amount of the 

obligation. This remedy “provides a minimum, statutory, damage recovery 

for a debtor . . . in a consumer-goods transaction[,]4 [and it] is designed to 

ensure that every noncompliance with the requirements of Part 6 in a 

consumer-goods transaction results in liability, regardless of any injury that 

may have resulted.” N.Y. UCC § 9-625, Official Comment 4; see also Coxall 

v. Clover Commercial Corp., 781 N.Y.S.2d 567, 578-79 (Kings Cty. 2004) 

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4 The Bank does not contend, at least in this stage of the case, that the 

transactions in question fall outside the realm of a “consumer goods 

transaction” under Article 9, Part 6 of New York’s UCC. Therefore, we will 

assume for purposes of this appeal that the transactions between the New 

York plaintiffs and the Bank constitute consumer goods transactions. 
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(Section 9-625(c)(2) provides right to “statutorily-prescribed minimum 

damages” even if plaintiff sustains no actual loss).5 It is clear that New York’s

UCC affords the New York plaintiffs standing to seek these damages in court. 

N.Y. UCC § 1-305(b) (“Any right or obligation declared by this title is 

enforceable by action”). 

The Bank cites TransUnion LLC v. Ramirez, 594 U.S. 413, 141 S.Ct. 

2190 (2021), for the proposition that “[t]he Supreme Court confirmed that 

every member of a class must have standing in a class action.” Bank’s Brief

at 26 n.7. Ramirez is inapposite because it concerns standing to sue in 

federal court, not in Pennsylvania court. “While standing in a federal court is 

derived from the United States Constitution, the same is not true in 

Pennsylvania.” Johnson v. American Standard, 8 A.3d 318, 327 n.9 (Pa. 

2010) (“We fail to see why [defendant] invokes Article III of the United States

Constitution and its requirement of a ‘case or controversy’”); see also 

Firearm Owners Against Crime v. Papenfuse, 261 A.3d 467, 481-82 (Pa. 

2021) (distinguishing Pennsylvania’s more liberal standing test from the 

constitutional test for standing in federal court). As discussed above, in 

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5 This Court construes Pennsylvania’s UCC the same way. See Cubler v. 

TruMark Financial Credit Union, 83 A.3d 235, 242 (Pa. Super. 2013) 

(noting that 13 Pa.C.S.A. § 9625, Pennsylvania’s counterpart to N.Y. UCC § 9-

625, “removed the requirement for an aggrieved debtor/obligor to prove 

actual damages in order to recover statutory damages under § 9625 in 

recognition of the inherent difficulty for a claimant to quantify and prove actual 

damages”). 
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Pennsylvania courts, a statutory violation—and in particular, the statutory 

violation alleged here—is sufficient to confer standing. Housing Authority, 

730 A.2d at 941.

The Bank attempts to limit the reach of statutory standing by claiming 

that such standing may not arise from a statute created by another legislature

such as New York’s. Pointing to text in Housing Authority that standing may 

be conferred by a statute “properly enacted by the Pennsylvania legislature,” 

id., the Bank posits that statutes not enacted in Pennsylvania (e.g., New 

York’s version of the UCC) fail to confer standing. We disagree. The sole 

issue before the Housing Authority court was whether the plaintiff had 

standing to enforce a Pennsylvania statute, the Military Affairs Act, 51 

Pa.C.S.A. § 7101 et seq. This case did not concern whether the plaintiff had 

standing to enforce a statute enacted in another state. The Bank does not 

cite any other decision for the proposition that parties in Pennsylvania courts 

lack standing to enforce out-of-state statutes; nor are we aware of any. To 

the contrary, our jurisprudence indicates that plaintiffs from outside 

Pennsylvania have standing to enforce out-of-state statutes in Pennsylvania, 

assuming jurisdiction exists over the defendant and the subject matter of the 

case. See, e.g., Hammons, 190 A.3d at 1255, 1270-78 (affirming judgment 

in favor of Indiana plaintiff who brought action in Pennsylvania to enforce 

rights under Indiana product liability statute). This seems particularly true 

where, as here, the out-of-state statute grants standing to sue to enforce 
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statutory rights, N.Y. UCC § 1-305(b), and authorizes recovery of minimum 

statutory damages "regardless of any injury that may have resulted.” N.Y.

UCC § 9-625, Official Comment 4. 

The Bank claims that the New York plaintiffs who redeemed their 

vehicles cannot show causation of harm, thus, they are not aggrieved, and 

therefore lack standing to sue for statutory damages. The Bank conflates an 

asserted merits defense (no causation of actual harm) with the test for mere 

standing to sue to seek to prove a violation, which is whether “the interest the 

plaintiff[s] seek[] to protect is arguably within the zone of interests to be 

protected by the statute.” Milby, 189 A.3d at 1076–77. As stated above, the

allegations in the amended complaint establish that the New York plaintiffs 

have an interest in enforcing rights protected by Article 9, Part 6 of New York’s 

UCC. Furthermore, even assuming the New York plaintiffs cannot prove 

causation of harm, they still have the right to seek the statutory damages 

available under N.Y. UCC § 9-625(c)(2) “regardless of any injury that may 

have resulted.” See also Coxall, 781 N.Y.S.2d at 578-79.

Next, the Bank argues that the New York plaintiffs who lacked the ability 

to redeem were not aggrieved by the notices of repossession. We disagree. 

Once again, the New York UCC permits these plaintiffs to seek statutory 

damages under N.Y. UCC § 9-625 for the secured party’s failure “regardless 

of any injury that may have resulted.” N.Y. UCC § 9-625, Official Comment 

4; see also Coxall, 781 N.Y.S.2d at 578-79. 
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For these reasons, the Bank’s challenge to standing fails.

Accordingly, we hold that the trial court has subject matter jurisdiction 

over the New York branch of this action, and that the New York plaintiffs have 

standing to pursue relief against the Bank in this action. 

Order affirmed. Case remanded for further proceedings. Jurisdiction 

relinquished. 

This decision was reached prior to the retirement of Judge Pellegrini.

Date: 2/13/2024