Rodriguez Perez v. First Tech Federal Credit Union

CourtDistrict Court, N.D. California
DecidedJanuary 23, 2025
Docket3:23-cv-06704
StatusUnknown

This text of Rodriguez Perez v. First Tech Federal Credit Union (Rodriguez Perez v. First Tech Federal Credit Union) is published on Counsel Stack Legal Research, covering District Court, N.D. California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Rodriguez Perez v. First Tech Federal Credit Union, (N.D. Cal. 2025).

Opinion

1 2 3 4 UNITED STATES DISTRICT COURT 5 NORTHERN DISTRICT OF CALIFORNIA 6 7 ISMAEL ANTONIO RODRIGUEZ Case No. 23-cv-06704-TSH PEREZ, 8 Plaintiff, ORDER GRANTING FINAL 9 APPROVAL OF CLASS ACTION v. SETTLEMENT AND MOTION FOR 10 ATTORNEYS’ FEES FIRST TECH FEDERAL CREDIT UNION, 11 Re: Dkt. No. 35, 36 Defendant. 12 13 I. INTRODUCTION 14 Plaintiff Ismael Antonio Rodriguez Perez brings this putative class action against First 15 Technology Federal Credit Union, alleging claims for alienage discrimination in violation of the 16 Civil Rights Act of 1966, 42 U.S.C. § 1981, and the California Unruh Civil Rights Act, Cal. Civ. 17 Code §§ 51, et seq. (“Unruh Act”). Plaintiff alleges First Tech has a policy of denying applicants 18 for residential secured loans based on their immigration and/or citizenship status. Pending before 19 the Court is Plaintiff’s unopposed motion for final approval of class action settlement (“Class 20 Mot.,” ECF No. 36) and unopposed motion for attorneys’ fees (“Fees Mot.,” ECF No. 35). The 21 Court held a final fairness hearing on January 23, 2025. For the reasons stated below, the Court 22 GRANTS the motions.1 23 II. BACKGROUND 24 A. Factual Background 25 Since 2012, Plaintiff has been a recipient of Deferred Action for Childhood Arrivals 26 (“DACA”). Compl. ¶ 7, ECF No. 1. As part of the DACA initiative, Plaintiff received 27 1 authorization to work in the United States and a Social Security Number. Id. First Union is a 2 member-owned and federally chartered credit union headquartered in San Jose, California. Id. ¶ 9. 3 It offers consumers a range of financial and credit products, including retail banking services, 4 business and life insurance products, personal loans, auto loans, credit cards, and home loans. Id. 5 ¶ 11. 6 In June 2022, Plaintiff applied for a home equity line of credit from First Tech. Id. ¶ 15. 7 As part of the process, a First Tech loan officer instructed Plaintiff that he must provide his legal 8 residency card. Id. ¶ 16. Plaintiff informed First Tech that he did not have a permanent 9 residence/green card. Id. ¶ 19. First Tech then requested he upload a current I-94 visa. Id. 10 Plaintiff explained that his I-94 visa was expired, and that his only current documentation was his 11 employment authorization card (“EAD”). Id. First Tech then informed Plaintiff that neither an 12 EAD nor an I-94 would be sufficient documentation on its own, and that DACA recipients are not 13 eligible for the loan he applied for. Id. ¶ 20. On August 1, 2022, First Tech denied Plaintiff’s 14 application and sent an adverse action notice indicating that “excessive obligations,” “insufficient 15 income for total obligations,” and “unable to verify residency” were the principal reasons for the 16 credit denial. Id. ¶ 21. 17 B. Procedural Background 18 On December 29, 2023, Plaintiff filed the present complaint against First Tech, alleging 19 claims under 42 U.S.C. § 1981 and the Unruh Act. The parties subsequently engaged in 20 negotiations to resolve the claims, ultimately resulting in an agreement in principle to settle this 21 action. ECF No. 29. On September 5, 2024, Plaintiff filed his Motion for Preliminary Approval 22 of Class Action Settlement. ECF No. 31. On October 8, 2024, the Court granted preliminary 23 approval of the settlement. ECF No. 34; Rodriguez Perez v. First Tech Fed. Credit Union, 2024 24 WL 4453291, at *1 (N.D. Cal. Oct. 8, 2024). 25 III. SETTLEMENT AGREEMENT 26 A. The Settlement Class 27 The Settlement Class is defined as: (i) the “California Class,” consisting of 20 individuals 1 Secured Loan with First Tech from December 29, 2021 through December 29, 2023, provided an 2 EAD during the application process, and were denied their application solely because of their 3 immigration or citizenship status at the time they applied; and (ii) the “National Class,” consisting 4 of 43 individuals who, according to First Tech’s records, were residing in any state of the United 5 States other than California and applied for a Residential Secured Loan with First Tech from 6 December 29, 2021 through December 29, 2023, provided an EAD during the application process, 7 and were denied their application solely because of their immigration or citizenship status at the 8 time they applied. Lozada Decl., Ex. A (Settlement Agreement) §§ 1(c) and 1(q). ECF No. 31-2. 9 The Settlement provides two forms of relief for Class Members: (1) corrective action under 10 which First Tech will not deny residential secured loan applications based solely on an applicant’s 11 immigration or citizenship status, unless required by law, rules, or regulations to do so, and will 12 amend its underwriting criteria accordingly, id. § 2; and (2) First Tech will pay $81,500 to be used 13 for individual payments by check made payable to each Class Member (the “Settlement Fund”) to 14 compensate Class Members for the alleged statutory violations and harm suffered, id. §§ 1(m), 15 1(v) and 11. 16 B. Payment Terms 17 First Tech agreed to create a $81,500 Settlement Fund that will be used to make individual 18 payments in the amount of $3,000 by check to each California Class Member, and individual 19 payments in the amount of $500 by check to each National Class Member. Id. § 1(m). The 20 Settlement Fund will be paid to Class Members; First Tech will separately pay the costs of 21 administration, court approved attorneys’ fees and costs, and incentive award. Id. § 1(v). 22 The Settlement does not require Class Members to submit a claim to claim the monies they 23 are entitled to under the Settlement. Id. § 11(a), (d)(iv). Rather, payments will be made to Class 24 Members by check payable to the Class Member and mailed to the Class Member’s last known 25 address. Id. §§ 5(b), 11(d)(iv). Addresses will be updated by the Claims Administrator through 26 skip-trace or other means. Id. § 5(b). 27 C. Cy Pres Distribution of any Unclaimed Settlement Funds 1 sent (“Unclaimed Settlement Funds”), those funds do not revert to First Tech. Id. §§ 1(w) and 12. 2 Instead, any Unclaimed Settlement Funds will be paid to a cy pres recipient proposed by Class 3 Counsel and approved by the Court. Id. 4 D. Release 5 In exchange for the settlement, the following release applies:

6 GENERAL RELEASE. Except as to the rights and obligations provided for under the terms of this Agreement, Named Plaintiff, on 7 behalf of himself and each Class Member who does not opt-out (collectively, “Releasors”), hereby releases and forever discharges 8 Defendant, and all of its past, present and future predecessors, successors, parents, subsidiaries, divisions, employees, affiliates, 9 assigns, officers, directors, members, representatives, attorneys, insurers and agents (collectively, the “Releasees”) from any and all 10 losses, fees, charges, complaints, claims, debts, liabilities, demands, obligations, costs, expenses, actions, and causes of action of every 11 nature, character, and description, whether known or unknown, asserted or unasserted, suspected or unsuspected, fixed or contingent, 12 which Releasors now have, own or hold against any of the Releasees that arise out of and/or relate to the facts and claims alleged in the 13 Complaint, including any claims relating to or arising out of the Challenged Practice. 14 15 Id. § 13. 16 E. Attorneys’ Fees and Expenses, Settlement Administrator’s Costs, and Class Representative Service Award 17 18 Attorneys’ fees, cost of litigation, and the cost of notice and administration shall be paid by 19 First Tech in addition to the payments to Class Members. These expenses will be paid separate 20 and apart from the Settlement Fund. Id. at § 1(v).

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Rodriguez Perez v. First Tech Federal Credit Union, Counsel Stack Legal Research, https://law.counselstack.com/opinion/rodriguez-perez-v-first-tech-federal-credit-union-cand-2025.