Consumer Banking and Payments Law: 5.17.6.2a.1 The factual background of Ramirez
In 2021, the Supreme Court issued a second major decision—TransUnion L.L.C. v. Ramirez1623—about the application of Article III to claims under federal consumer protection laws. The case arose when TransUnion, one of the “Big Three” nationwide consumer reporting agencies, issued a report identifying a car buyer, Sergio Ramirez, as a potential terrorist.