Rosenberg v. JPMorgan Chase & Co.

CourtMassachusetts Supreme Judicial Court
DecidedMay 11, 2021
DocketSJC 12973
StatusPublished

This text of Rosenberg v. JPMorgan Chase & Co. (Rosenberg v. JPMorgan Chase & Co.) is published on Counsel Stack Legal Research, covering Massachusetts Supreme Judicial Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Rosenberg v. JPMorgan Chase & Co., (Mass. 2021).

Opinion

NOTICE: All slip opinions and orders are subject to formal revision and are superseded by the advance sheets and bound volumes of the Official Reports. If you find a typographical error or other formal error, please notify the Reporter of Decisions, Supreme Judicial Court, John Adams Courthouse, 1 Pemberton Square, Suite 2500, Boston, MA, 02108-1750; (617) 557- 1030; SJCReporter@sjc.state.ma.us

SJC-12973

JOHAN ROSENBERG1 vs. JPMORGAN CHASE & CO. & others.2

Suffolk. January 6, 2021. - May 11, 2021.

Present: Budd, C.J., Gaziano, Lowy, Cypher, Wendlandt, & Georges, JJ.

Massachusetts False Claims Act. Fraud. Bonds. Practice, Civil, Motion to dismiss. Statute, Construction.

Civil action commenced in the Superior Court Department on October 23, 2014.

A motion to dismiss, filed on June 5, 2019, was heard by Mitchell H. Kaplan, J.

The Supreme Judicial Court on its own initiative transferred the case from the Appeals Court.

1 On behalf of the Commonwealth.

2 JPMorgan Chase Bank, N.A.; J.P. Morgan Securities LLC; JPMorgan Securities, Inc.; Citigroup, Inc.; Citigroup Global Markets Inc.; Citibank N.A.; Citigroup Financial Products Inc.; Citigroup Global Markets Holdings Inc.; Bank of America Corporation; Bank of America N.A.; Merrill Lynch, Pierce, Fenner & Smith Incorporated; Morgan Stanley; Morgan Stanley Smith Barney LLC; Morgan Stanley & Co. LLC; Morgan Stanley Capital Group Inc.; Morgan Stanley Bank, N.A.; and Morgan Stanley Capital Services Inc. 2

Tejinder Singh, of Maryland, for the plaintiff. Robert N. Hochman, of Illinois (David G. Jorgensen & Holly A. Harrison, of Illinois, Susanna Buergel, of New York, Matthew D. Benedetto, of California, Paul J. Murphy, Carol A. Starkey, Megan E. Barriger, & Kathryn L. Alessi also present) for the defendants. The following submitted briefs for amici curiae: Ben Robbins & Martin J. Newhouse for New England Legal Foundation. Ian D. Roffman, Thomas J. Carey, Jr., & David K. Bastian for Greater Boston Chamber of Commerce. Sheri Littlefield, of New York, Patrick T. Egan, Justin N. Saif, & Corey W. Silva for CFA Institute. Jacklyn DeMar, of the District of Columbia, & Sonya A. Rao for Taxpayers Against Fraud Education.

WENDLANDT, J. The Massachusetts False Claims Act, G. L.

c. 12, §§ 5A-5O (MFCA), authorizes a private party to bring an

action alleging that a person has committed a fraud on the

Commonwealth in connection with a claim for payment under a

government program. Such an action may be a valuable tool to

shine a light on fraudulent behavior that otherwise might remain

undiscovered. In return, the private party (known as a

"relator") is rewarded a portion of the recovery from the

misfeasors. Where the essential features of an individual's

purported chicanery already have been illuminated, by contrast,

affording a private party an incentive to bring suit is

unwarranted, as it would add nothing to the Commonwealth's

knowledge; in such circumstances, the MFCA prohibits such suits

unless the Commonwealth intervenes. Specifically, the MFCA

contains a public disclosure bar that generally requires 3

dismissal of an action "if substantially the same allegations or

transactions as alleged in the action . . . [previously have

been] publicly disclosed" through certain enumerated sources.

G. L. c. 12, § 5G (c). Applying this public disclosure bar to

the complaint at issue here, a Superior Court judge dismissed

the complaint. Because the complaint rested on information that

already had been exposed to the light of day, we affirm.3

1. Background. We recite the facts as set forth in the

complaint, viewing all of the allegations as true and drawing

all reasonable inferences in the plaintiff relator's favor. See

Magliacane v. Gardner, 483 Mass. 842, 844 (2020), citing Revere

v. Massachusetts Gaming Comm'n, 476 Mass. 591, 595 (2017).

a. Relator's claims. The relator, Johan Rosenberg,

commenced this action on behalf of the Commonwealth against the

defendants -– certain financial institutions and their

subsidiaries, see note 2, supra -- alleging that the defendants

collectively engaged in and conspired to engage in fraud in

connection with resetting interest rates for certain municipal

bonds, referred to as variable rate demand obligations (VRDOs).

VRDOs are long-term, tax-exempt, variable rate bonds. The

3 We recognize the amicus briefs submitted by CFA Institute and Taxpayers Against Fraud Education Fund in support of the plaintiff, and the amicus briefs submitted by the Greater Boston Chamber of Commerce and the New England Legal Foundation in support of the defendants. 4

Commonwealth and its subdivisions4 issue VRDOs to finance long-

term public projects or infrastructure, such as airports, ports,

roads and bridges, and affordable housing. Because interest

rates on the bonds are reset on a periodic basis, often weekly,

by the remarketing agent, the bonds allow issuers, like the

Commonwealth, to borrow money for long periods of time while

paying short-term interest rates. The Commonwealth retained the

defendants as remarketing agents to perform the requisite

periodic resetting of the VRDO interest rates. According to the

complaint, the contracts between the Commonwealth and the

defendants required that the defendants "actively and

individually market and price these bonds at the lowest possible

interest rates" that would permit the sale of the VRDOs on a

given rate determination date.5

4 For simplicity, in our discussion of the MFCA, our references to the Commonwealth also will include its subdivisions.

5 The relator frequently summarizes the defendants' obligation as to obtain "the lowest possible interest rate"; the obligation, as set forth in the official statements for the VRDOs, however, is that defendants were "required to determine the applicable rate of interest that, in its judgment, is the lowest rate that would permit the sale of the [VRDO] bearing interest at the Weekly Rate at par plus accrued interest, if any, on and as of the Rate Determination Date. The interest rate will reflect, among other factors, the level of market demand for the [VRDO] (including whether the Remarketing Agent is willing to purchase [the VRDO] for its own account)." Likewise, the model disclosure obligations, for which the relator argues the defendants were responsible, were "to set the interest rate at the rate necessary, in its judgment, as the 5

The relator maintains that the defendants did not perform

these services as promised; instead, the defendants engaged in a

rate setting scheme, which he refers to as "robo-resetting,"

whereby the defendants "mechanically set the rates en masse

without any consideration of the individual characteristics of

the bonds, the associated market conditions[,] or investor

demand." The relator, who states that he has over twenty years

of experience in advising municipalities on issuing securities,

asserts that he confirmed his suspicions of this "bucket" rate-

setting scheme through a forensic analysis of published interest

rate data for these types of bonds. The interest rates for

VRDOs are published daily on a publicly available website,

Electronic Municipal Market Access (EMMA).6 The relator's

analysis revealed that, for certain groups of VRDOs,7 the

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