TitleMax of Texas, Inc. v. City of Austin and Anne Morgan, City Attorney of the City of Austin And Rondella Hawkins, Officer, City of Austin Office of Telecommunications and Regulatory Affairs, in Their Official and Individual Capacities

CourtCourt of Appeals of Texas
DecidedNovember 18, 2021
Docket01-20-00071-CV
StatusPublished

This text of TitleMax of Texas, Inc. v. City of Austin and Anne Morgan, City Attorney of the City of Austin And Rondella Hawkins, Officer, City of Austin Office of Telecommunications and Regulatory Affairs, in Their Official and Individual Capacities (TitleMax of Texas, Inc. v. City of Austin and Anne Morgan, City Attorney of the City of Austin And Rondella Hawkins, Officer, City of Austin Office of Telecommunications and Regulatory Affairs, in Their Official and Individual Capacities) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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TitleMax of Texas, Inc. v. City of Austin and Anne Morgan, City Attorney of the City of Austin And Rondella Hawkins, Officer, City of Austin Office of Telecommunications and Regulatory Affairs, in Their Official and Individual Capacities, (Tex. Ct. App. 2021).

Opinion

Opinion issued November 18, 2021

In The

Court of Appeals For The

First District of Texas ———————————— NO. 01-20-00071-CV ——————————— TITLEMAX OF TEXAS, INC., Appellant V. CITY OF AUSTIN AND RONDELLA HAWKINS, OFFICER, CITY OF AUSTIN OFFICE OF TELECOMMUNICATIONS AND REGULATORY AFFAIRS, IN HER OFFICIAL AND INDIVIDUAL CAPACITY, Appellees

On Appeal from the 353rd District Court1 Travis County, Texas Trial Court Case No. D-1-GN-19-002613

1 The Texas Supreme Court transferred this appeal from the Third Court of Appeals to this Court pursuant to its docket equalization powers. See TEX. GOV’T CODE § 73.001. OPINION

Appellant, TitleMax of Texas, Inc. [“TitleMax”], sought declaratory and

injunctive relief against appellee, the City of Austin [“the City”], relating to a city

ordinance intended to regulate payday lending practices. The City filed a plea to the

jurisdiction, asserting that, because the specific ordinance at issue was penal in

nature, the civil district court lacked jurisdiction to declare it unconstitutional or to

enjoin a prosecution filed thereunder. The trial court granted the City’s plea to the

jurisdiction and dismissed TitleMax’s case. This appeal followed. We reverse and

remand.

BACKGROUND

Before considering TitleMax’s issues on appeal, it is necessary to review the

ordinance at issue and documents filed in the case.

The Ordinances

The City of Austin has payday lending ordinances (“the Ordinances”), first

enacted in 2011 and amended in 2015, which regulate credit access businesses such

as TitleMax. The Ordinances provides as follows:

A credit services organization or credit access business that obtains for a consumer or advises or assists a consumer in obtaining an extension of consumer credit shall by the terms of the extension of consumer credit transaction:

(1) require payment of the total amount of the extension of consumer credit transaction, including any principal, interest,

2 fees, valuable consideration, credit access business fees, and any other charges or costs, in four or fewer payments; and

(2) reduce by at least 25 percent per payment the total amount of the extension of consumer credit transaction, including any principal, interest, fees, valuable consideration, credit access business fees, and any other charges or costs.

Austin, Tex. Code § 4-12-22(D). The Ordinances further provide in relevant part:

(A) A person who violates any section of this chapter commits a Class C misdemeanor punishable by a fine not to exceed $500.

(B) Except as provided in Subsection (C), each day that a violation occurs is a separate offense.

(C) Each extension of consumer credit transaction is a separate offense if the extension of consumer credit transaction violates:

(1) Section 4-12-22 (Restrictions on Extensions of Consumer Credit Transactions)[.] .... (D)The penalties provided for in Subsection (A) are in addition to any other remedies available under City ordinance or state law.

(E) . . . [A] culpable mental state is not required for a violation of this chapter and need not be proved.

Austin, Tex. Code § 4-12-26.

In February 2019, the City audited two TitleMax stores in Austin for

compliance and concluded that two loans (Loan No. 22289-148-35407272 and Loan

No. 21189-1678-35508202) were made in violation of the above-referenced

Ordinances.

3 Petition for Declaratory Relief and Application for Permanent Injunction

On May 10, 2019, TitleMax filed suit against the City, seeking a declaration

that (1) the Ordinances do not apply to TitleMax’s activities, (2) section 4-12-22(D)

of the Ordinances is preempted by section 393.062(b) of the Texas Finance Code,

(3) section 4-12-26 is preempted by section 393.224 of the Texas Finance Code and

§ 6.02 of the Texas Penal Code, and (4) the Ordinances are unconstitutionally void

for vagueness and excessive fines. TitleMax’s petition also sought to permanently

enjoin the City “from any attempts to seek criminal enforcement of the Ordinance

and City Code Provisions against Plaintiff.”

The City files Criminal Complaints Against TitleMax

On May 30, 2019, after TitleMax had filed its petition, the City filed two

criminal complaints against TitleMax in Travis County Municipal Court, alleging

that the two loans that it had previously identified during its February 2019 audit

violated the section 4-12-22(D) by exceeding the number of installments permitted

for such loans.

The Amended Petitions

On July 12, 2019, TitleMax filed its First Amended Petition, which added a

cause of action seeking a temporary injunction to “prohibit[] the City from any

attempts to seek criminal enforcement of the Ordinance and City Code Provisions

against Plaintiff pending trial of this matter.”

4 On September 10, 2019, TitleMax filed its Second Amended Petition, which

added claims against Anne Morgan, Austin’s City Attorney, and Rondella Hawkins,

of the City’s Office of Telecommunications and Regulatory Affairs.2

Pleas to the Jurisdiction

On September 20, 2019, the City filed a Plea to the Jurisdiction, alleging that,

because the Ordinances are penal in nature, a civil equity court has no jurisdiction

to declare them invalid or to enjoin a prosecution arising therefrom unless “(1) there

is evidence that the statute at issue is unconstitutionally applied by a rule, policy, or

other noncriminal means subject to a civil court’s equity powers and irreparable

injury to property or personal rights is threatened; or (2) the enforcement of an

unconstitutional statute threatens irreparable injury to vested property rights.”

On September 30, 2019, Hawkins also filed a Plea to the Jurisdiction, alleging

that she acted “well within her discretion in enforcing the Ordinance against

Plaintiff, which defeats Plaintiff’s ultra vires allegation against her and deprives [the

trial court] of subject-matter jurisdiction.”

Both the City and Hawkins requested that the claims against them be

dismissed; the City further requested that “because Plaintiff cannot cure the

2 All claims against Morgan, the City Attorney, have been nonsuited and are not a part of this appeal. 5 [jurisdictional] defect through amendment, the City asks that [TitleMax’s live

pleading] be dismissed without leave to amend.”

The Trial Court’s Ruling

After a two-day hearing, the trial court, on November 27, 2019, signed an

Order Granting Pleas to the Jurisdiction, stating as follows:

Defendant City of Austin’s Plea to the Jurisdiction is GRANTED. The City has initiated two Municipal Court prosecutions. Plaintiff may argue that the underlying ordinance is unconstitutional in the criminal proceedings. The Court also notes that plaintiff is not a small local business.

Defendants Anne Morgan’s and Rondella Hawkins’s First Amendment Pleas to the Jurisdiction is [sic] GRANTED. Defendant Morgan is protected by absolute immunity. As discussed above, this Court has no jurisdiction to determine the meaning and validity of this penal ordinance on this procedural record. This Court should not, therefore, exercise jurisdiction to determine the scope of Defendant Hawkins’ authority under the ordinance and whether she acted outside the bounds of her granted authority.

This is a final order disposing of all claims and all parties and is appealable.

Findings of Fact and Conclusions of Law

Upon TitleMax’s request, the trial court made the following findings of fact,

which are relevant to this appeal:

TitleMax of Texas, Inc.

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TitleMax of Texas, Inc. v. City of Austin and Anne Morgan, City Attorney of the City of Austin And Rondella Hawkins, Officer, City of Austin Office of Telecommunications and Regulatory Affairs, in Their Official and Individual Capacities, Counsel Stack Legal Research, https://law.counselstack.com/opinion/titlemax-of-texas-inc-v-city-of-austin-and-anne-morgan-city-attorney-of-texapp-2021.