Knowles v. Visa U.S.A. Inc.

CourtSuperior Court of Maine
DecidedOctober 20, 2004
DocketCUMcv-03-707
StatusUnpublished

This text of Knowles v. Visa U.S.A. Inc. (Knowles v. Visa U.S.A. Inc.) is published on Counsel Stack Legal Research, covering Superior Court of Maine primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Knowles v. Visa U.S.A. Inc., (Me. Super. Ct. 2004).

Opinion

Knowles v. Visa U.S.A. Inc., Docket No. CV-03-707 _

Since the court heard oral argument on defendants’ motion to dismiss and took that motion under advisement, counsel for defendants have sent a number of letters to the court submitting various decisions from other state trial courts. Plaintiffs’ counsel have not objected to any of these submissions. On October 15, 2004 plaintiffs’ counsel filed a motion for leave to submit supplemental authorities, enclosing materials from pending cases in New Mexico and Minnesota. Defendants do not object to this motion but have submitted a response commenting on plaintiffs’ submissions.

Plaintiffs’ motion for leave to submit supplemental authorities is granted. For the record, the court's view is that parties should be permitted to submit copies of decisions from other courts that they contend are relevant to the issues pending before this court. However, to avoid any perceived need for responsive filings, all parties submitting decisions from other courts should limit themselves to directing the court's attention to the portions of the decisions that they contend are relevant and should refrain from any argument or commentary on the import of those decisions.

An

Thomas D. Warren Justice, Superior Court

October 4° , 2004

STATE OF MAINE ~ , SUPERIOR COURT Cumberland, ss CIVIL ACTION DOCKET NO. CV-03-707

CATHERINE J. KNOWLES, et al,

Plaintiffs Vv. ORDER

VISA U.S.A. INC,, et al,

Defendants

This action is brought by plaintiffs Catherine J. Knowles and Diane Roberts, suing on behalf of themselves and a proposed class of all similarly situated Maine consumers, against defendants Visa U.S.A. Inc. and MasterCard International Inc. alleging violations of Maine’s antitrust statutes, 10 M.R.S.A. §§1101, 1104 (1996). Before the court is defendants’ motion to dismiss on the ground that plaintiffs lack standing for

purposes of the antitrust laws. |

1. The Wal-Mart Class Actions

This action follows on the heels of the settlement of a group of antitrust class actions brought in the U.S. District Court for the Eastern District of New York styled In

re Visa Check/MasterMoney Antitrust Litigation, No. 96-CV-5238 JJG) (E.D.N.Y.) also

known as Wal-Mart Stores, Inc., et_al v. Visa U.S.A. Inc, et al. (the “Wal-Mart class

actions”) The Wal-Mart class actions were brought by merchants who asserted that they

had been harmed by defendants’ requirement that merchants had to accept Visa and MasterCard debit cards in order to be allowed to accept Visa and MasterCard credit cards. The merchants alleged that this constituted an illegal tying arrangement in violation of the antitrust laws.

In February 2000 the federal district court granted class certification to a national class consisting of all merchants who accepted Visa or MasterCard credit cards and consequently had been required to accept Visa or MasterCard debit cards. In re Visa

Check/MasterMoney Antitrust Litigation, 192 F.R.D. 68, 90 (E.D.N.Y. 2000). In October

2001 the district court’s class certification order was affirmed by the U.S. Court of

Appeals for the Second Circuit. 280 F.3d 124 (2d Cir. 2001), cert. denied, 536 U.S. 917 (2002).

On April 11, 2003 the federal district court denied a motion for summary judgment by Visa and MasterCard and granted partial summary judgment to the class

plaintiffs on a number of specific issues. In re Visa Check/MasterMoney Antitrust

Litigation, 2003 U.S. Dist. LEXIS 4965, 7-12 (E.D.N.Y. 2003). The court concluded, however, that issues of disputed fact remained, inter alia, on issues “that lie at the heart of the merchants’ [Sherman Act] claims: whether Visa and MasterCard’s Honor All Cards rules harmed competition in the debit card services market, and whether the defendants acted together to produce that result.” Id. at 19.

On April 30, 2003, on the eve of trial, the parties reached a settlement of the Wal- Mart class actions. This settlement was ultimately approved by the district court in

December 2003. In re Visa Check/MasterMoney Antitrust Litigation, 297 F.Supp.2d 503

(E.D.N.Y. 2003). The settlement involved a payment to the class of more than $3 billion plus injunctive relief preventing Visa and MasterCard from tying debit and credit cards in the future. In approving the settlement and awarding $220 million in attorneys fees,

the district court noted that this constituted “the largest antitrust settlement in history,”

2 297 F.Supp.2d at 508, and further noted that in addition to the $3 billion to be paid in settlement, the injunctive relief that had been agreed to was estimated to result in future

savings of $25 billion to $87 billion. Id. at 511.

2. The Consumer Class Actions

Once the merchants’ class had been settled, consumer class actions began to be filed. It is the court’s understanding that the case at bar is one of approximately 20 consumer class actions filed against Visa and MasterCard in state courts around the country.

Like their counterparts in other states, Knowles and Roberts allege that the unlawful tying of Visa and MasterCard credit and debit cards harmed consumers because the merchants subjected to the allegedly illegal tying arrangement passed the increased costs on to consumers. Neither the class nor plaintiffs’ theory of the case is limited to Maine consumers who actually used Visa or MasterCard debit or credit cards. Instead, plaintiffs’ theory is that because merchants had to pay artificially inflated amounts as a result of defendants’ unlawful tying agreement, the merchants passed those amounts on to all their customers by increasing the price of all retail goods they sold — regardless of whether payment was made by cash, check, credit card, debit card or otherwise. Thus the proposed class in this case consists of all consumers who

purchased any item from any Maine merchant who accepted Visa or MasterCard

* With respect to the merits, the district court noted that the Wal-Mart plaintiffs did not have an open and shut case as to liability. See 297 F.Supp. 2d at 511 (plaintiffs’ ability to prove that the “honor all cards” rule was anticompetitive was “no sure thing”). This was particularly true in light of the difficult questions of law involved. See 297 F.Supp. 2d at 510, quoting Hovencamp, Tying Arrangements and Class Actions, 36 Vand.L.Rev. 213, 213 (1983) to the effect that “[flew areas of federal antitrust law are more confusing than the law that governs tying arrangements.”

3 during the period from December 1999 to December 2008.

‘Specifically, the class plaintiffs allege that because Visa and MasterCard credit cards are dominant and ubiquitous, acceptance of these cards is critical to the business success of all or most retail merchants. As a result, plaintiffs contend, Visa and MasterCard were able to require that retail merchants accept Visa or MasterCard debit cards if they wanted to accept Visa or MasterCard credit cards, and were able to impose artificially inflated costs and fees upon the merchants, who then passed on those costs to consumers. Complaint {{ 32, 38-40, 54, 56-58. Plaintiffs allege that Visa and MasterCard were able to set the same fees for their debit cards as for their credit cards even though, in an unrestrained market, debit cards would have commanded lower fees. Complaint {4 40, 44.

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