Opinion ID: 180506
Heading Depth: 3
Heading Rank: 3

Heading: Primarily for Personal, Family, or Household Purposes

Text: I.C. System also argues that the funds at issue do not satisfy the FDCPA requirement that they be primarily for personal, family, or household purposes, since the transaction served a commercial purpose. See Reply Br. at 5-7. This issue was not clearly raised in I.C. System's initial brief and is thus waived. See McGinnis v. Ingram Equipment Co., 918 F.2d 1491, 1496 (11th Cir.1990) (A party normally waives its right to argue issues not raised in its initial brief.). In any event, we are unpersuaded that the sale of Oppenheim's personal computerthe funds from which were ultimately transferred to Oppenheim's personal bank accountviolates the personal, family, or household purposes requirement. Oppenheim does not run a business and specifically registered his PayPal account as a personal account, which the User Agreement defines as an account used for nonbusiness purposes and used primarily for personal, family, or household purposes. PayPal User Agreement ¶ 15.aj.