Paul Migliaccio v. Ally Bank

CourtDistrict Court, D. Maine
DecidedNovember 13, 2025
Docket1:24-cv-00307
StatusUnknown

This text of Paul Migliaccio v. Ally Bank (Paul Migliaccio v. Ally Bank) is published on Counsel Stack Legal Research, covering District Court, D. Maine primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Paul Migliaccio v. Ally Bank, (D. Me. 2025).

Opinion

UNITED STATES DISTRICT COURT DISTRICT OF MAINE

PAUL MIGLIACCIO, ) ) Plaintiff, ) ) v. ) 1:24-cv-00307-SDN ) ALLY BANK, ) ) Defendant. )

ORDER DENYING MOTION FOR CERTIFICATE OF APPEALABILITY In this action, Plaintiff Paul Migliaccio moves this Court “to certify for interlocutory appeal its . . . Order compelling arbitration, enforcing a class-action waiver, and staying proceedings.” ECF No. 28 at 1. Mr. Migliaccio seeks interlocutory review of this Court’s Order under 28 U.S.C. § 1292(b), arguing that because the questions of Maine contract law underlying my previous Order (the “Order”), see ECF No. 26, are “purely legal, subject to substantial disagreement among reasonable jurists, and dispositive of whether this case proceeds in court or arbitration,” interlocutory appellate review of the Order “will materially advance the ultimate termination of the litigation.” ECF No. 28 at 1–2. In response, Defendant Ally Bank argues Mr. Migliaccio has failed to meet the “stringent criteria” of § 1292(b) and that his motion should be denied. See ECF No. 29. For the reasons that follow, I deny Mr. Migliaccio’s motion for a certificate of appealability of my September 24, 2025, Order compelling arbitration. BACKGROUND This Order incorporates by reference the factual and procedural background as detailed in the Order affirming the Magistrate Judge’s Recommended Decision and compelling arbitration. See ECF No. 26 at 2–5. In affirming the Magistrate Judge’s Decision, and thus granting Ally Bank’s motion to compel arbitration and strike the class claims alleged by Mr. Migliaccio, I found that Ally Bank had satisfied their burden under the Federal Arbitration Act (the “FAA”) to demonstrate “that a valid agreement to arbitrate exists, that the movant is entitled to invoke the arbitration clause, that the other party is bound by that clause, and that the claim asserted comes within the clause’s scope.”

See id. at 6 (quoting Air-Con, Inc. v. Daikin Applied Latin Am., LLC, 21 F.4th 168, 174 (1st Cir. 2021); id. at 7–12. Specifically, I found that the language in the Retail Purchase Agreement (the “RPA”) between the original car dealer and Mr. Migliaccio evinced the dealer’s intent to assign the right to enforce the RPA, and thus the right to enforce the agreement’s mandatory arbitration clause, to Ally Bank. See id. at 10–11. In reaching this conclusion, I affirmed the Magistrate Judge’s reasoning relying on the “unitary transaction” approach utilized by Maine state courts, which considers multiple written instruments together when they are part of the same transaction in resolving issues of contract interpretation. See id. at 10–11; see also DiPetro v. Boynton, 628 A.2d 1019, 1022 (Me. 1993) (“[W]here several instruments are made part of one transaction, they will be read together and each will be construed with reference to the others, although the

instruments do not in terms refer to each other.”). In his motion, Mr. Migliaccio asserts that interlocutory review of the Order is warranted under § 1292(b) because the Order rests “on two controlling and unresolved questions of Maine contract law—whether an integration clause in one contract bars consideration of a contemporaneous agreement containing an arbitration clause, and whether assignment of a portion of a broader agreement transfers the right to enforce arbitration provisions found only in the retained part of the agreement.” ECF No. 28 at 1. Mr. Migliaccio argues these questions of law are “controlling” because each question dictates the forum in which the case will proceed, either in individual arbitration or before this Court, and because the assignment question determines who may invoke the mandatory arbitration clause. See id. at 6–8. In addressing the remaining § 1292(b) factors, Mr. Migliaccio contends that there is substantial ground for difference of opinion on both legal issues under “unsettled” Maine law and further that an interlocutory appeal

will materially advance the termination of this litigation, as appellate review will “ensure the merits are litigated in the right forum from the beginning” and will prevent the possibility of litigating the merits of the case twice. See id. at 8–12. In response, Ally Bank argues Mr. Migliaccio has failed to demonstrate “exceptional circumstances” to overcome the presumption against interlocutory review of an order compelling arbitration. ECF No. 29 at 3. In particular, Ally Bank contends that the Order does not involve a “controlling question of law” because its reversal would not terminate the action, but instead would re-open the case for further litigation before this Court. Id. at 3–4. DISCUSSION To start, there exists a heavy presumption against the type of interlocutory appeal Mr. Migliaccio seeks under the FAA, which was enacted in order to “overcome judicial

resistance to arbitration and to declare a national policy favoring arbitration of claims that parties contract to settle in that manner.” Vaden v. Discover Bank, 556 U.S. 49, 58 (2009) (quotation modified). Section 16(b) of the FAA states that “[e]xcept as otherwise provided in section 1292(b) of title 28, an appeal may not be taken from an interlocutory order . . . compelling arbitration under section 206 of this title . . . .” 9 U.S.C. § 16(b)(3). The limited exception found in 28 U.S.C. § 1292(b) applies when the district court is “of the opinion that such order [1] involves a controlling question of law [2] as to which there is substantial ground for difference of opinion and [3] that an immediate appeal from the order may materially advance the ultimate termination of the litigation.” 28 U.S.C. § 1292(b). However, “interlocutory certification under 28 U.S.C. § 1292(b) should be used sparingly and only in exceptional circumstances, and where the proposed intermediate appeal presents one or more difficult and pivotal questions of law not settled by controlling authority.” Caraballo-Seda v. Mun. of Hormigueros, 395 F.3d 7, 9 (1st Cir.

2005) (quoting Palandjian v. Pahlavi, 782 F.2d 313, 314 (1st Cir. 1986)). For the purposes of § 16(b)(3), “[w]hether an order compelling arbitration is interlocutory or final depends on whether the district court chooses to stay litigation pending arbitration or instead to dismiss the case entirely.” Braintree Lab'ys, Inc. v. Citigroup Glob. Mkts. Inc., 622 F.3d 36, 43 (1st Cir. 2010). “If the district court stays litigation, parties wishing to challenge the case’s arbitrability must normally wait until the arbitrator resolves the matter on the merits and the district court enters a final judgment.” Id. However, if a district court “couples its order compelling arbitration not with a stay but with an outright dismissal . . . then an appeal may be taken.” Id.

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Related

Vaden v. Discover Bank
556 U.S. 49 (Supreme Court, 2009)
Caraballo-Seda v. Municipality of Hormigueros
395 F.3d 7 (First Circuit, 2005)
Petros A. Palandjian v. Ashraf Pahlavi
782 F.2d 313 (First Circuit, 1986)
DiPietro v. Boynton
628 A.2d 1019 (Supreme Judicial Court of Maine, 1993)
Philip Morris Inc. v. Harshbarger
957 F. Supp. 327 (D. Massachusetts, 1997)
United Air Lines, Inc. v. Gregory
716 F. Supp. 2d 79 (D. Massachusetts, 2010)
Air-Con, Inc. v. Daikin Applied Latin Am., LLC
21 F.4th 168 (First Circuit, 2021)
Meijer, Inc. v. Ranbaxy Inc.
245 F. Supp. 3d 312 (D. Massachusetts, 2017)

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Paul Migliaccio v. Ally Bank, Counsel Stack Legal Research, https://law.counselstack.com/opinion/paul-migliaccio-v-ally-bank-med-2025.