Charles Ruffenach v. Deutsche Bank National Trust Company, as Trustee for Ameriquest Mortgage Securities Inc., Asset- Backed Pass-Through Certificates Series 2005-R8, Raymond Lozano, Alili Rihkrand, Islebrook at Meadow Woods Homeowners' Association, Inc., Orange County, and Cit Financial, Inc.

District Court of Appeal of Florida·Decided March 20, 2026·No. 6D2023-1482·Published

Opinion

SIXTH DISTRICT COURT OF APPEAL STATE OF FLORIDA

Case No. 6D2023-1482

Lower Tribunal No. 2020-CA-007792-O

CHARLES RUFFENACH,

Appellant,

v.

DEUTSCHE BANK NATIONAL TRUST COMPANY, as Trustee for AMERIQUEST MORTGAGE SECURITIES INC., ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2005-R8, RAYMOND LOZANO, ALILI RIHKRAND, ISLEBROOK AT MEADOW WOODS HOMEOWNERS’ ASSOCIATION, INC., ORANGE COUNTY, and CIT FINANCIAL, INC.,

Appellees.

Appeal from the Circuit Court for Orange County.

Vincent Falcone, III, Judge.

March 20, 2026

MIZE, J.

Appellant, Charles Ruffenach, appeals the trial court’s final judgment in favor of Appellee, Deutsche Bank National Trust Company, including the trial court’s award of attorneys’ fees to Appellee that was contained within the final

judgment. 1 We write only to address the trial court’s award of attorneys’ fees, which we reverse. We affirm the remainder of the final judgment without discussion.

For more than sixty years, all of our sister courts have held that a trial court cannot enter an award of attorneys’ fees pursuant to a statute, rule, or contractual provision providing for an award of attorneys’ fees without first conducting an evidentiary hearing and receiving testimony from an expert witness regarding the reasonableness of the fees. With the deepest respect to our sister courts, we believe they were wrong in imposing both of these requirements. No statute or rule imposes these requirements. The Florida Supreme Court has never held that either of these requirements must be satisfied for a trial court to award attorneys’ fees. The federal courts do not require an evidentiary hearing or expert testimony as a prerequisite to an award of attorneys’ fees. There is simply no legal authority mandating either of these requirements, nor is there strong logic or policy grounds for imposing them. For these reasons, and as explained in more detail below, we hold that a trial court need not always conduct an evidentiary hearing or receive expert testimony concerning the reasonableness of attorneys’ fees before granting an award of attorneys’ fees pursuant to a statute, rule, or contractual provision providing for such an award. Because this holding is in conflict with decisions of

1 This case was transferred from the Fifth District Court of Appeal to this Court on January 1, 2023.

all of our sister courts, pursuant to Article V, Section 3(b)(4) of the Florida Constitution, we certify this decision to be in direct conflict with the decisions listed at the conclusion of this opinion. I. History of Attorneys’ Fees in Florida (a) Expert Witness Requirement As noted above, no statute or rule requires Florida courts to conduct an evidentiary hearing or receive expert testimony before granting an award of attorneys’ fees pursuant to a statute, rule, or contractual provision providing for such an award. See Robert J. Hauser, Raymond E. Kramer III & Patricia A. Leonard, Is Expert Testimony Really Needed in Attorneys’ Fees Litigation? Island Hoppers’ Call for Change and Other Ways to Reduce the Burdens of Fees Hearings, 77 Fla. B. J., Jan. 2003, at 38, 40. The Fourth and Fifth Districts have both noted that the expert witness requirement was judicially created. See Robin Roshkind, P.A. v. Machiela, 45 So. 3d 480, 481 (Fla. 4th DCA 2010); Sea World of Fla., Inc. v. Ace Am. Ins. Cos., 28 So. 3d 158, 161 (Fla. 5th DCA 2010); Schwartz v. Bloch, 88 So. 3d 1068, 1071 (Fla. 4th DCA 2012). As Judge Nardella noted in CED Capital, that moment of creation occurred in a case from the Second District, Lyle v. Lyle, 167 So. 2d 256 (Fla. 2d DCA 1964). CED Cap. Holdings 2000 EB, LLC v. CTCW-Berkshire Club, LLC, 363 So. 3d 192, 196 (Fla. 6th DCA 2023); see also Hauser, Kramer III & Leonard, Is Expert Testimony Really Needed, supra, at

40 (explaining that Lyle created the expert witness requirement); Island Hoppers, Ltd. v. Keith, 820 So. 2d 967, 972 (Fla. 4th DCA 2002) (noting that the expert witness requirement “has existed since at least the 1960s” and citing Lyle), disapproved of on other grounds by Sarkis v. Allstate Ins. Co., 863 So. 2d 210 (Fla. 2003); Sea World, 28 So. 3d at 161 n.3 (“In Florida, it appears that the rule requiring corroborative expert witness testimony on attorney’s fees originated in Lyle v. Lyle, 167 So. 2d 256 (Fla. 2d DCA 1964).”).

Importantly, to justify imposing an expert witness requirement for an award of attorneys’ fees, the Lyle court cited no legal authority. Instead, Lyle merely relied on “the principle that the value of personal services is proven by expert witnesses,” without stating where that principle came from. 167 So. 2d at 257. Lyle also asserted, again without authority, that “the self-serving nature of the testimony given by the attorney who performs the services precludes the court from making an award based solely on his testimony.” 2 Id.

After the Second District issued Lyle, other district court decisions cited to Lyle for the proposition that expert testimony concerning the reasonableness of attorneys’ fees is required to support an award of attorneys’ fees. See, e.g., Thoni v. Thoni, 179 So. 2d 420, 421–22 (Fla. 3d DCA 1965); Ortiz v. Ortiz, 211 So. 2d 243,

2 The Second District later partially receded from Lyle to hold that a trial court can enter an award of attorneys’ fees without expert testimony as long as the party against whom the award is granted does not object to the lack of an expert. Lafferty v. Lafferty, 413 So. 2d 170, 171 (Fla. 2d DCA 1982).

245 (Fla. 3d DCA 1968); Lamar v. Lamar, 323 So. 2d 43, 44 (Fla. 4th DCA 1975); Nivens v. Nivens, 312 So. 2d 201, 202 (Fla. 2d DCA 1975); Mullane v. Lorenz, 372 So. 2d 168, 168 (Fla. 4th DCA 1979); Lee v. Gilbert, Silverstein & Hellman, P.A., 350 So. 2d 1147, 1147 (Fla. 3d DCA 1977); Cohen v. Cohen, 400 So. 2d 463, 465 (Fla. 4th DCA 1981). Other decisions then cited to those opinions, and the rule that expert testimony is required to support an award of attorneys’ fees became universal throughout Florida. See Mitchell v. Flatt, 344 So. 3d 588, 590 (Fla. 2d DCA 2022); Rakusin v. Christiansen & Jacknin, P.A., 863 So. 2d 442, 444 (Fla. 4th DCA 2003); Loftus v. Fairchild, 395 So. 3d 679, 682 (Fla. 2d DCA 2024); Saussy v. Saussy, 560 So. 2d 1385, 1386 (Fla. 2d DCA 1990); Snow v. Harlan Bakeries, Inc., 932 So. 2d 411, 413 (Fla. 2d DCA 2006); Yakubik v. Bd. of Cnty. Comm’rs of Lee Cnty., 656 So. 2d 591, 591–92 (Fla. 2d DCA 1995); Wells Fargo Bank, N.A. v. Meininger, 360 So. 3d 464, 465 (Fla. 2d DCA 2023); Cooper v. Cooper, 406 So. 2d 1223, 1224 (Fla. 4th DCA 1981); Tanner v. Tanner, 391 So. 2d 305, 305 (Fla. 4th DCA 1980); Brake v. Murphy, 736 So. 2d 745, 747 (Fla. 3d DCA 1999); Seitlin & Co. v. Phoenix Ins. Co., 650 So. 2d 624, 627 (Fla. 3d DCA 1994); Cozzo v. Cozzo, 186 So. 3d 1054, 1055 (Fla. 3d DCA 2015); Trumbull Ins. Co. v. Wolentarski, 2 So. 3d 1050, 1055 (Fla. 3d DCA 2009); Morton v. Heathcock, 913 So. 2d 662, 669 (Fla. 3d DCA 2005); Rodriguez v. Campbell, 720 So. 2d 266, 267 (Fla. 4th DCA 1998); Island Hoppers, 820 So. 2d at 970–71;

Robin Roshkind, 45 So. 3d at 481; Nants v. Griffin, 783 So. 2d 363, 366 (Fla. 5th DCA 2001); Markham v. Markham, 485 So. 2d 1299, 1301 (Fla. 5th DCA 1986); Ghannam v. Shelnutt, 199 So. 3d 295, 299–300 (Fla. 5th DCA 2016); Schwartz, 88 So. 3d at 1071; Rodriguez v. Altomare, 261 So. 3d 590, 591–92 (Fla. 4th DCA 2018); Pridgen v. Agoado, 901 So. 2d 961, 962 (Fla. 2d DCA 2005); Silva v. Hernandez, 595 So. 2d 230, 230 (Fla. 3d DCA 1992), rev’d on other grounds by, 612 So. 2d 1377 (Fla. 1993).

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Charles Ruffenach v. Deutsche Bank National Trust Company, as Trustee for Ameriquest Mortgage Securities Inc., Asset- Backed Pass-Through Certificates Series 2005-R8, Raymond Lozano, Alili Rihkrand, Islebrook at Meadow Woods Homeowners' Association, Inc., Orange County, and Cit Financial, Inc., (Fla. Ct. App. 2026).

Charles Ruffenach v. Deutsche Bank National Trust Company, as Trustee for Ameriquest Mortgage Securities Inc., Asset- Backed Pass-Through Certificates Series 2005-R8, Raymond Lozano, Alili Rihkrand, Islebrook at Meadow Woods Homeowners' Association, Inc., Orange County, and Cit Financial, Inc. (Charles Ruffenach v. Deutsche Bank National Trust Company, as Trustee for Ameriquest Mortgage Securities Inc., Asset- Backed Pass-Through Certificates Series 2005-R8, Raymond Lozano, Alili Rihkrand, Islebrook at Meadow Woods Homeowners' Association, Inc., Orange County, and Cit Financial, Inc.) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

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