In re California Bail Bond Antitrust Litigation

District Court, N.D. California·Decided April 14, 2025·No. 4:19-cv-00717·Unknown

Opinion

1 2 3 4 UNITED STATES DISTRICT COURT 5 NORTHERN DISTRICT OF CALIFORNIA 6 IN RE CALIFORNIA BAIL BOND 7 ANTITRUST LITIGATION Case No. 19-cv-00717-JST (DMR)

8 This Document Relates To: UNREDACTED ORDER ON 9 ALL ACTIONS CLAWBACK MOTION 10 Re: Dkt. No. 520 11

12 Defendants Lexington National Insurance Corporation (“Lexington”) and American Surety 13 Company (“ASC”) (“Moving Defendants”) move to confirm that 29 documents they inadvertently 14 produced in discovery and later clawed back are protected by the attorney-client privilege. 15 [Docket Nos. 520 (Mot.); 522 (Reply).] Plaintiffs Shonetta Crain and Kira Monterrey challenge 16 the assertion of privilege. [Docket No. 521 (Opp’n).] On December 13, 2024, the court ordered 17 Moving Defendants to lodge the clawed back documents for in camera review. [Docket No. 517.] 18 Moving Defendants timely lodged the documents. The court held a hearing on February 13, 2025. 19 Having reviewed the documents in camera, the court denies Moving Defendants’ clawback 20 motion.1 21 I. BACKGROUND 22 A. Factual Background 23 This is a putative antitrust class action brought by Plaintiffs against 20 bail bond surety 24 companies (including the Moving Defendants) and William B. Carmichael, the President and CEO 25

26 1 The court filed a redacted version of this order on March 11, 2025 to allow Moving Defendants an opportunity to appeal the order to the Honorable Jon S. Tigar. [Docket No. 533.] Judge Tigar 27 denied Moving Defendants’ motion for relief from the order on April 11, 2025. [Docket No. 555.] 1 of ASC, asserting a decades-long conspiracy to fix prices for bail bonds. [Docket No. 513 (Class 2 Cert. Mot.) at 2-3.] The factual background is set out in the Honorable Jon S. Tigar’s order 3 denying Defendants’ Motion to Dismiss the Third Consolidated Amended Class Action Complaint 4 (TCAC) and is briefly summarized here. [Docket No. 330 at 1-2.] Many criminal arrestees in 5 California may post money bail for their release, and as long as they appear for scheduled court 6 dates, the money will be returned to them in full. Id. Arrestees who cannot afford to pay bail 7 often purchase a bail bond sold by agents and underwritten by sureties. Id. Sureties set the price 8 of a bail bond as a percentage of the total bail amount, called the “premium rate.” Id. Even if a 9 purchaser attends all court dates, they do not receive back any portion of the premium. Id. But 10 agents have the option to reduce the premium charged an arrestee through rebates. Id. To set a 11 premium rate, a surety must file a rate application with the California Department of Insurance 12 (“CDI”), and CDI must approve the application. Id. 13 The alleged conspiracy has two parts: “first, Defendants conspired to maintain an 14 artificially high ‘standard’ bail bond premium rate of 10%; second, Defendants conspired to 15 suppress rebating by bail bond agents.” Class Cert. Mot. at 3. Plaintiffs allege violations of the 16 Cartwright Act, California Business and Professions Code section 16720; Unfair Competition 17 Law, California Business and Professions Code section 17200; and Section 1 of the Sherman 18 Antitrust Act, 15 U.S.C. § 1. 19 B. Facts Relevant to the Present Dispute 20 In November 2016, CDI sent a letter to multiple bail bond surety companies, including 21 Moving Defendants, expressing concern that their surety rate levels may be excessive and 22 requesting “supporting information and data” to demonstrate that the rates were not excessive. 23 [Docket No. 520-2 (William B. Carmichael Decl., Jan. 3, 2025) ¶ 5, Ex. A.] CDI explained: “If it 24 is determined your company’s rates are excessive your company must make an appropriate rate 25 adjustment as soon as possible and in no event later than May 1, 2017. If the rate adjustment is not 26 implemented until after May 1, 2017, your company will be required to refund excess premiums 27 charged to all affected policyholders.” Id. Plaintiffs allege that Defendants, including Moving 1 December 12,2 2016, representatives of ASC, Lexington, Bankers Insurance Company 2 (“Bankers”)3, and CDI met to discuss the CDI letter. Carmichael Decl. ¶ 11. On December 15, 3 2016, Lexington, ASC, and Bankers (collectively “Joint Group”) submitted a “Bail Coalition 4 Working Group White Paper” to CDI, which provided “background information relative to the 5 long time use of the 10% bail rate, and information on how the CDI regulations and template do 6 not produce an accurate indicated rate for bail and immigration rating programs.” [Docket No. 7 513-76.] Moving Defendants then each independently submitted their company’s data to CDI to 8 support their rates. Carmichael Decl. ¶ 12; [Docket No. 520-1 (Mark Holtschneider Decl., Jan. 2, 9 2025) ¶ 18)]. CDI ultimately did not require Moving Defendants to lower their rates. Carmichael 10 Decl. ¶ 12; Holtschneider Decl. ¶ 18. However, on January 31, 2017, CDI held an Informational 11 Hearing about the bail industry, and afterwards took some steps to educate bail agents on the 12 legality of rebating. Class Cert. Mot. 21-22. 13 C. Procedural Background 14 Moving Defendants produced the 29 documents in full, but later clawed back portions of 15 them as permitted by the parties’ stipulated ESI agreement. [Docket No. 154.] Pursuant to that 16 agreement, Plaintiffs have not disclosed the substance of any of the at-issue communications, but 17 did reference the existence of this pending clawback dispute in their motion for class certification. 18 Class Cert. Mot. 20-21. Plaintiffs also planned to introduce the at-issue communications during 19 their depositions of Carmichael and Holtschneider but were unable to do so because of the 20 clawback dispute; the depositions remain open pending the outcome of this motion. Opp’n 5-6. 21 On December 9, 2024, Plaintiffs challenged the assertion of privilege over the clawback 22 documents in a joint discovery letter. [Docket No. 510.] The court denied the discovery letter 23 without prejudice and granted Moving Defendants leave to file a regularly noticed motion to 24

25 2 The clawback emails clearly indicate the meeting was on 12/12/2016. In their declarations, Carmichael and Holtschneider incorrectly state that the meeting was on 12/16/2016 and 26 12/16/2024, respectively. Carmichael Decl. ¶ 11; [Docket No. 520-1 (Mark Holtschneider Decl., Jan. 2, 2025) ¶ 17)]. 27 1 support their claims of privilege and non-waiver with evidence, and to lodge the clawed back 2 documents for in camera review. [Docket No. 517.] This motion followed. The 29 documents 3 are labeled as Lexington Exhibits 1-22,4 and ASC Exhibits 1-8. 4 II. LEGAL STANDARD 5 This court exercises federal question jurisdiction over Plaintiffs’ Sherman Antitrust claims 6 pursuant to 28 U.S.C. § 1331, and supplemental jurisdiction over Plaintiffs’ state law claims. 7 “Where there are federal question claims and pendent state law claims present, the federal law of 8 privilege applies.” Agster v. Maricopa Cty., 422 F.3d 836, 839 (9th Cir. 2005); see also Fed. R. 9 Evid. 501, Advisory Committee Notes (“In nondiversity jurisdiction civil cases, federal privilege 10 law will generally apply.”). 11 The attorney-client privilege protects from discovery “confidential communications 12 between attorneys and clients, which are made for the purpose of giving legal advice.” United 13 States v. Richey, 632 F.3d 559, 566 (9th Cir. 2011) (citation omitted).

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