Jerome Morgan, on Behalf of Himself and Others Similarly Situated v. Blair's Bail Bonds, Inc., Bankers Insurance Company, Inc.

• Court: Louisiana Court of Appeal
• Decided: May 5, 2025
• Docket: 2024-CA-0714
• Status: Published

Opinion

JEROME MORGAN, ON * NO. 2024-CA-0714 BEHALF OF HIMSELF AND OTHERS SIMILARLY * COURT OF APPEAL SITUATED * FOURTH CIRCUIT VERSUS * STATE OF LOUISIANA BLAIR'S BAIL BONDS, INC., BANKERS INSURANCE * COMPANY, INC. * *******

JCL LOBRANO, J., DISSENTS WITH REASONS

I respectfully dissent. The majority affirms the district court’s judgment

sustaining the exception of no right of action in favor of Blair’s Bail Bonds, Inc.

and Bankers Insurance Company, Inc. (“Defendants”) and denies the plaintiff,

Jerome Morgan (“Morgan”), the opportunity to challenge the constitutionality of

Act 54. I find that the majority decision is both legally incorrect and raises serious

concerns about the judiciary’s constitutional role.

This case arises from an undisputed statutory violation by Defendants

whereby Morgan and others were charged a 13% bail bond premium in Orleans

Parish, despite La. R.S. 22:1443 capping the rate at 12%. On February 20, 2019,

the Louisiana Insurance Commissioner issued Directive 214, requiring those

overcharges to be refunded. Morgan, asserting his accrued right to repayment,

sought declaratory relief under that Directive.

In response to this regulatory enforcement, the Legislature passed Act 54

(effective August 1, 2019), which retroactively eliminated the obligation to refund

those overcharges and immunized the industry from liability, specifically and only

in Orleans Parish. This legislative retroactive action retroactively nullified Morgan

of a statutory and regulatory accrued right.

1 Moreover, Morgan was left with no remedy due to the peculiar procedural

posture of the case. Morgan was denied access to justice through the following

circular procedural trap: first, he was told his refund claim must be resolved

administratively, then told the administrative remedy was moot because the

Legislature had retroactively eliminated the right to a refund by Act 54, and finally

told he lacked a right of action to challenge that very legislative act. Each path to

relief was closed off not by an adjudication on the merits, but by a shifting of

procedural posture that foreclosed substantive review.

The majority contends that no justiciable controversy remains because

Morgan’s refund claim was dismissed by prior rulings. But that dismissal occurred

after the Legislature passed Act 54, which retroactively nullified Morgan’s

statutory entitlement. In essence, the majority finds that because the Legislature

eliminated the legal foundation of Morgan’s claim, the courts are now barred from

reviewing the constitutionality of that elimination. That reasoning undermines the

core function of judicial review.

The majority concludes that this deprivation created no justiciable

controversy and that Morgan has no right of action to challenge the

constitutionality of Act 54. I disagree. A statute that retroactively extinguishes an

accrued right, such as in this case, the right to a refund under Directive 214 and La.

R.S. 22:855, implicates core due process and equal protection concerns. It is

precisely the kind of governmental action that is subject to judicial review.

In Bienvenu v. Defendant 1, 23-1194 (La. 6/12/24), 386 So.3d 280, 290 (on

rehearing), the Louisiana Supreme Court recently upheld the Legislature’s power

to revive prescribed claims of childhood sexual abuse. Although the Court

ultimately sided with the Legislature in that case, the path it took was important.

The Court carefully scrutinized the legislative action, weighed the competing

2 equities, and reaffirmed the judiciary’s role in safeguarding constitutional rights

even against acts of the Legislature.

Particularly, the Bienvenu court affirmed the courts’ authority to assess

whether the Legislature could revive long-expired claims. Morgan’s case is even

more compelling to support judicial review. Unlike in Bienvenu, where the

Legislature revived long-prescribed claims, Morgan’s claim was viable until the

Legislature retroactively foreclosed it. If review was required in the former, it is

indispensable in the latter. Bienvenu makes clear that courts must not abdicate their

duty merely because the Legislature acts retroactively. The proper question is not

whether the Legislature acted, but whether it did so within constitutional bounds.

Louisiana’s Declaratory Judgment Act was drafted to allow courts to resolve

exactly this kind of controversy. La. C.C.P. art. 1871 allows courts to declare the

“rights, status, and other legal relations” of parties “whether or not further relief is

or could be claimed.” Morgan’s petition for declaratory relief under this provision

presents a valid, ripe, and justiciable controversy as to whether Act 54 unlawfully

deprived him and others of the right to refunds for illegal overcharges.

The majority misapplies the jurisprudence surrounding “justiciability” and

“right of action” by treating this litigation as an abstract dispute. It is not. Morgan

paid an illegal premium. Directive 214 entitled him to a refund. The Legislature

then passed Act 54 to bar that remedy after the fact. Morgan’s claims are not

speculative grievances but present concrete injuries that raise legitimate

constitutional questions.

In Bienvenu, the Court emphasized that justice sometimes demands allowing

old claims to be revived in order to vindicate victims’ rights. The same logic must

apply in reverse. When the Legislature extinguishes rights that were legally

enforceable at the time they arose especially for a disfavored class of victims, such

3 as those harmed by commercial bail overcharges, the courts have an obligation to

exercise their constitutional role.

The judiciary must remain a neutral forum that ensures equal protection and

due process under the law, regardless of whether the right at issue belongs to

victims of clergy abuse or victims of illegal bond practices. By refusing to consider

Morgan’s challenge to Act 54, the majority risks sending a message that the

Legislature may retroactively abolish legal remedies without judicial review. This

is a failure of constitutional accountability.

The judiciary serves as the final safeguard against arbitrary exercises of

power by the legislative and executive branches. That responsibility cannot be

diminished through procedural mechanisms that prevent the adjudication of

constitutional claims. The constitutional role of the courts requires adjudication

where a legislative action allegedly threatens accrued rights.

Courts must remain open to reviewing legislative acts that withdraw vested

rights grounded in law, especially where such acts appear to shield private interests

at the expense of the individuals the law was intended to protect. Morgan’s

constitutional claims should be heard.

Accordingly, I would reverse the district court judgment and remand for

consideration of the merits of Morgan’s constitutional claims.