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Home Court filings Agent Fee Litigation REPORT of Rule 26(f) Planning Meeting — Agent Fee Litigation (Dkt. 61)

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REPORT of Rule 26(f) Planning Meeting — Agent Fee Litigation (Dkt. 61)

Summary

A joint report under Federal Rule of Civil Procedure 26(f) in Sport & Wheat CPA PA v. ServisFirst Bank Inc., Synovus Bank, The First, N.A., and Truist Bank, Case No. 3:20-cv-05425, in the U.S. District Court for the Northern District of Florida, after a conference held June 15, 2020. It gives each side's position: the plaintiff describes a putative nationwide class action by accounting firms seeking a share of lender processing fees under the Paycheck Protection Program, and the defendant banks state that the CARES Act, Pub. L. 116-136, and Small Business Administration regulations create no entitlement to agent fees. The report adds that prompt settlement is unlikely and lists the plaintiff's proposed deadlines, including October 1, 2020 for joinder. One defendant asks that all deadlines be extended by 60 days; another states the existing dates should not be revised.

Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used

Full text

                   IN THE UNITED STATES DISTRICT COURT
                  FOR THE NORTHERN DISTRICT OF FLORIDA
                           PENSACOLA DIVISION
 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -x
                                                                :
 SPORT & WHEAT CPA PA, a Florida                                :
 corporation, individually and on behalf of                     :
 a class of similarly situated businesses and                   : Case No. 3:20-cv-05425-
 individuals,                                                   : TKW-HTC
                                                                :
                                                                :
                        Plaintiff,                              :
                                                                :
                                                                :
              v.                                                :
                                                                :
 SERVISFIRST BANK INC.; SYNOVUS                                 :
 BANK; THE FIRST, A NATIONAL                                    :
 BANKING ASSOCIATION; and                                       :
 TRUIST BANK,                                                   :
                        Defendants.                             :

 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -x


                  JOINT REPORT PURSUANT TO FRCP 26(f) AND
                   THE COURT’S INITIAL SCHEDULING ORDER

        On June 15, 2020, Plaintiff Sport & Wheat CPA, PA (“S&W”), Defendant

Synovus Bank (“Synovus”), Defendant ServisFirst Bank (“ServisFirst”), and

Defendant Truist Bank (“Truist”) conferred pursuant to Federal Rule of Civil

Procedure 26(f) and Paragraph 2(a) of this Court’s Initial Schedule Order.

(Defendant The First, N.A., was not yet served and did not participate in the




                                                      1
conference.) The parties’ joint report regarding that conference, including their

respective positions, is contained below.


   1. MAGISTRATE JUDGE JURISDICTION

      The parties conferred regarding Magistrate Judge jurisdiction over this case.


   2. NATURE AND BASIS OF CLAIMS AND DEFENSES

         a. Plaintiff Sport & Wheat.

      This is a nationwide class action seeking relief on behalf of accounting firms

and others, whose work made it possible for banks for earn fees from the federal

government.

      Sport & Wheat is a small, two-partner accounting firm in Pace, Fla. Its many

small business clients approached it, even before the passage of the CARES Act on

March 27, 2020, about applying for relief under that law, and specifically the

“Paycheck Protection Program.” The PPP provides grant money to small business

in the form of fast, forgiveable loans made private banks and 100% guaranteed and

funded by the Small Business Administration. The point of the PPP was to keep

small businesses alive during virus-caused shutdowns.

      Sport & Wheat assisted a number of its clients with applications for these

loans. Pulling together the payroll and other information needed, filling in loan

applications, and communicating with banks regarding these loans was Sport &



                                            2
Wheat’s job and it was overwhelming. There was intense competition for the PPP

funds, and Sport & Wheat, as well as the defendant banks, worked around the

clock to process as many loans as possible. In many situations, Sport & Wheat was

the navigator, communicating directly with banks, advocating for clients,

interacting with bank web sites, and signing documents on behalf of its clients.

And in many situations, the banks were directly aware of and even encouraged

Sport & Wheat’s involvement.

      In doing so, Sport & Wheat acted as an “agent” for federal-law purposes, as

well as a person conferring a benefit on a third party for state-law purposes.

      The relevant regulation requires that banks, who are receiving generous fees

from the federal government for their work in making these risk-free loans, must

share a portion of those fees with any “agent” who assisted a borrower—here,

Sport & Wheat’s many small business clients.

      Despite this regulation, and in violation of state law, the Defendants in this

action refused to pay Sport & Wheat anything for its work; so, this suit was filed.

By contrast, other banks have agreed to pay Sport & Wheat its rightful fee, and

other banks around the country have also agreed to pay fees owed to other

accounting firms.

      Sport & Wheat asserts various causes of action, including contract implied

in law, unjust enrichment, and conversion. Sport & Wheat also seeks declaratory



                                          3
and injunctive relief to the extent this is necessary to permit the Defendants to

settle Sport & Wheat’s claims.

      Defendants’ refusal to pay agents’ claims is a systemic, nationwide practice.

Hence, this case also contains a nationwide class action allegation and a Florida-

wide subclass. Sport & Wheat seeks relief on behalf of similarly situated “agents,”

including accounting firms, consultants, and others listed in the relevant

regulations.

      The Court asked the parties to make a “good faith attempt to identify the

principal factual and legal issues in dispute.” The parties do agree that the

interpretation of the CARES Act, including the section that created the PPP, and

the regulations implementing it, are legal issues in dispute. The parties also

disagree on whether this case is susceptible to class action treatment.

      It is also plain that the parties also disagree on the application of the Florida

law of unjust enrichment (and, likely, by extension, the application of similar laws

in other states). The factual issues in dispute at this time would appear to center on

how the Defendants treated Sport & Wheat during the time it was assisting

borrowers, and the communications Defendants had with Sport & Wheat and other

class members.




                                           4
           b. Defendant Synovus Bank.1

        As explained more fully in Synovus’s Motion to Dismiss the Amended

Complaint, this case involves the Paycheck Protection Program (“PPP”), created as

part of the Coronavirus Aid, Relief, and Economic Security Act, Pub. L. 116-136

(the “CARES Act” or “the Act”). The CARES Act is part of the Federal

government’s response to the economic hardship caused by the COVID-19

pandemic. To provide emergency assistance to small businesses affected by the

pandemic, the PPP significantly expanded the Small Business Administration’s

(“SBA”) 7(a) loan program for small businesses and provided a mechanism by

which borrowers could receive funds to cover payroll and other expenses and, in

certain circumstances, have their loans forgiven by the government. PPP loans are

processed and disbursed through private lenders such as Synovus, and those

lenders receive a statutory processing fee from the government for each approved

loan.

        Plaintiff S&W is an accounting firm. S&W claims it assisted a client with

an application to Synovus for a PPP loan. S&W does not allege that Synovus



1
  Plaintiff did not circulate its portions of this Joint Report until 3:36pm on
Monday, June 29, 2020—the day the report was due to the Court. In Section 2(a)
above Plaintiff appears to attempt to make various representations regarding what
the parties do or do not agree to in this case, but Plaintiff would not accept any
edits to that section. As a result and given the press of time, all Defendants object
to Plaintiff’s Section 2(a) above.

                                          5
authorized any such work; in fact S&W admits Synovus did not authorize such

work and stated that it would not pay agent fees. Instead, S&W alleges that the

CARES Act and SBA regulations thereunder create an absolute entitlement to fees

for any agent who claims to have assisted a PPP borrower in preparing an

application. S&W insists that lenders must pay those fees even where, as here, the

lender in no way authorized the agent’s activities. As explained in Synovus’s

motion to dismiss the amended complaint, the CARES Act created no such

entitlement and does not even provide a private right of action. For these and other

reasons under Florida law, all of Plaintiff’s claims are meritless.

      On May 17, 2020, Synovus promptly moved to dismiss Plaintiff’s initial

complaint. Ten days later, on May 27, 2020, Plaintiff rendered its initial complaint

a nullity by filing an amended complaint which, among other things, added two

defendants and attempted to remedy multiple blatant pleading deficiencies.

Synovus promptly moved to dismiss Plaintiff’s amended complaint, which is based

on the same flawed legal theory as Plaintiff’s initial complaint. Because of this

Court’s order requiring that discovery go forward despite the pending motion to

dismiss, ECF No. 16, the parties proceeded with discovery.

          c. Defendant Truist Bank.

      As noted by Synovus above, this case involves the Paycheck Protection

Program (“PPP”), which was created as part of the Coronavirus Aid, Relief, and



                                           6
Economic Security Act, Pub. L. 116-136 (the “CARES Act” or “the Act”) and in

response to the economic crisis caused by the COVID-19 pandemic. The PPP

expands an existing federal program—the Small Business Administration’s

(“SBA”) 7(a) loan program—and provides government-backed loans to small

businesses so that they can cover payroll and other expenses and thus “weather”

the pandemic. Like other SBA 7(a) loans, PPP loans are processed and disbursed

through private lenders (such as Truist), and those lenders receive a statutory

processing fee from the government for each approved loan. Importantly, although

the SBA has issued regulations limiting the maximum amount of fees, if any, that

an agent assisting a borrower in preparing a PPP loan application may receive,2

there is no affirmative entitlement to any such agent fees.

      Plaintiff S&W claims that it assisted at least one Truist customer with an

application to Truist for a PPP loan. Because of its alleged assistance, S&W

claims that it is an “agent” and that it is entitled to a portion of the statutory

processing fee paid to Truist. However, S&W does not allege that: (i) it sought

authorization from Truist to do any work, (ii) Truist authorized it to do any work,

or (iii) Truist agreed to compensate it for doing any work. Instead, S&W argues



2
  Truist has not yet responded to Plaintiff’s Complaint and has until July 3 to do so.
(D.E. 43). Truist expressly reserves any and all rights, claims, remedies, and
defenses it has or may have, including as to the SBA’s authority to issue such
regulations.

                                            7
that the CARES Act and its regulations create an absolute right to fees for any

“agent” who claims to have assisted a PPP borrower in preparing an application,

regardless of the nature of the assistance provided or whether the lender authorizes

the agent’s activities. But, this is simply not what the Act provides. S&W is

unable to identify a federal cause of action or state a claim under federal law, and

also fails to state any claim under Florida law. For these and other reasons,

Plaintiff’s claims are meritless. Truist will, and reserves the right to, further

expound upon its position and defenses in its forthcoming motion to dismiss.

          d. Defendant ServisFirst Bank.

      As explained more fully in ServisFirst’s Motion to Dismiss the Amended

Complaint (Doc. 49), Congress expressly directed the SBA to “reimburse” lenders

for their efforts in processing PPP loans, and Congress set specific amounts for that

“reimbursement.” See 15 U.S.C. § 636 (a)(36)(P) (directing that “[t]he

Administrator shall reimburse a lender” in specified amounts and further directing

that the “reimbursement … shall be made not later than 5 days after the

disbursement of the covered loan.”). Plaintiff S&W now asks the Court to ignore

this clear Congressional directive and divert millions of dollars of statutorily-

mandated fees to unknown third parties. On behalf of all “agents,” S&W demands

that lenders pay everyone who claims to have helped a borrower obtain a PPP

loan—regardless of whether the “agent” had any agreement with a lender. There is



                                           8
no legal basis for this demand and ServisFirst respectfully submits that this case

should be dismissed now in its entirety. Because of this Court’s order requiring

that discovery go forward despite the pending motion to dismiss, (Doc. 16), the

parties have conferred and are prepared to proceed with discovery, as outlined

below.

   3. POSSIBILITY FOR PROMPT SETTLEMENT OR RESOLUTION

      Based on the parties’ conference, the possibility for prompt settlement or

resolution of this case is unlikely.

   4. WHETHER THE INITIAL SCHEDULING ORDER SHOULD BE
      REVISED OR AMENDED

           a. Plaintiff Sport & Wheat.

      Yes, the current scheduling order should be amended, for the following

reasons:

      (1) Truist and TheFirst were not even parties at the time the Court entered

the Order, and as Truist points out, it accepted service on June 3. The schedule

should be modified to accommodate their entry in the case.

      (2) The Defendants are large corporate entities who have extensive contacts

and files. For example, Synovus has approximately 300 branches and brought 400

employees into the process of processing loans; it processed about 20,000 loan

applications. Truist says it is the sixth-largest commercial bank in the Nation and it




                                          9
closed over 75,000 loans—the fourth-highest total of PPP loans in the Nation. 3

TheFirst made approximately 3,000 PPP loans and has approximately 350 agents

already on file (with an unknown number of agents whom, like Sport & Wheat, it

deterred from payment).

         (3) The amount of electronic discovery that could occur in a case like this is

unknown, but potentially large. Loan data will be found in complex banking

systems that were likely designed literally overnight to accommodate the new

federal law, as well as changes in SBA guidance from day to day. To assess this

information, Sport & Wheat anticipates the Defendants will take substantial time to

do it.

         (4) The Order does not differentiate between fact discovery and expert

discovery. In this case, expert testimony in the form of accountants testifying to

industry standards and norms is likely to be offered. The current Order does not

give very much time to finish fact discovery before expert reports would be due.

         (5) This is a putative class action, and there should be a schedule regarding

class certification briefing.

         Sport & Wheat proposes the following dates, as requested by the Court’s

order, ¶ 2(a)(iv):


3
  Small Business Administration, Paycheck Protection Program(PPP) Report
(June 20, 2020), available at https://www.sba.gov/sites/default/files/2020-
06/PPP_Report_200620-508.pdf.

                                            10
      Joinder of other parties                       October 1, 2020

      Amendments to the pleadings                    October 1, 2020

      Close of fact discovery                        November 1, 2020

      Motion for class certification due             November 15, 2020

      Expert reports due from both sides             December 1, 2020

      Discovery taken against experts                December 1, 2020 to
                                                     January 15, 2021

      Filing of Daubert motions                      February 15, 2021

      Opposition briefs due                          March 1, 2021

      Filing of any summary                          By March 15, 2021
      judgment motions

      Opposition briefs due                          April 15, 2021

      Sport & Wheat submits this schedule on the understanding that the

Defendants will promptly produce ESI and there will not be significant disputes

regarding its production. In the event the parties cannot resolve these matters, these

dates would likely have to change.

         b. Defendant Synovus Bank.

      In Synovus’s view, the Court’s May 18, 2020 Initial Scheduling Order

contains reasonable dates and deadlines and should not be revised or amended.




                                         11
          c. Defendant Truist Bank.

      Truist respectfully requests that all dates set forth in the Initial Scheduling

Order be extended by 60 days.         Plaintiff filed its original complaint against

Defendants Synovus and ServisFirst on April 26, 2020. Thereafter, but before Truist

was named as a Defendant, the Court entered its Initial Scheduling Order. More

than a month after Plaintiff filed its original complaint, Plaintiff filed the Amended

Complaint, naming additional parties, including Truist. Truist accepted service of

the Amended Complaint on June 3, 2020. Because Truist was only recently named

and served in this case, Truist respectfully requests an additional 60 days be added

to all deadlines.

          d. Defendant ServisFirst Bank.

      ServisFirst agrees that the Court’s May 18, 2020 Initial Scheduling Order

contains reasonable dates and deadlines and should not be revised or amended.

   5. PARTIES’ RESPECTIVE DISCOVERY REQUIREMENTS

          a. Plaintiff Sport & Wheat.

      Sport & Wheat requires sufficient discovery to prove its individual claims,

but also class allegations and to certify a class under Rule 23.

      The default discovery limits on interrogatories, requests for admissions, and

requests for production are acceptable.




                                          12
      However, the 10-deposition limit in Fed. R. Civ. P. 30(a)(2)(A)(i) should not

be implemented here. This is a complex, five-party action governed by both federal

law and state law, and the Defendants are large entities who control scores of

potentially relevant witnesses.

      Sport & Wheat proposes that it be permitted to take 40 depositions, in total,

and that each Defendant be permitted to take 10. The reason for this “uneven”

number is simple: Sport & Wheat must pursue a case against each of the separate

defendants separately. Thus, 40 depositions to take against four Defendants is not

an extraordinarily high number. In response to the defendants, Sport & Wheat

points out that it was efficient and appropriate to file one civil action, not four,

where the defendants have taken similar positions, and it should not be penalized

for doing that. Moreover, common legal issues do not necessarily make for

common depositions.

      Further, 40 depositions is not unreasonable given the giant size of some of

the banks involved and the nationwide scope of the putative class.

      Regarding Sport & Wheat’s necessary document discovery, it will seek from

the Defendants information about their contacts with agents and with borrowers; it

will also seek Defendants’ understanding of the meaning of the PPP regulation and

information about how they implemented it. These documents will be found at

bank headquarters, but also in the personal files of people who made contact with



                                           13
agents. Sport & Wheat is willing to consider “sampling” or limited, targeted

discovery requests made against each defendant.

          b. Defendant Synovus Bank.

      In Synovus’s view, the Court’s May 18, 2020 Initial Scheduling Order

contains reasonable dates, deadlines, and procedures for discovery and should not

be revised or amended.

      Synovus further believes that the limit for the number of depositions set

forth in Federal Rule of Civil Procedure 26(a)(2)(A) is appropriate and should

apply in this case. Plaintiff chose to join four unrelated banks as defendants in this

case knowing of the limitation set forth in Rule 26(a)(2)(A). That was Plaintiff’s

decision. Further, as written, Plaintiff’s proposal above would allow Plaintiff to

take more than 10 depositions of a given defendant by limiting the number of

deposition Plaintiff took of another Defendant. That is not contemplated by the

text or the spirit of Rule 26(a)(2)(A).

          c. Defendant Truist Bank.

      For the reasons set forth above, Truist respectfully requests that all dates set

forth in the Initial Scheduling Order be extended by 60 days. Truist joins in

Synovus’ opposition to the enlargement of number of depositions for the same

reasons stated by Synovus and because Plaintiff has argued here and in favor of an

MDL that there are common issues among all the Defendants.



                                          14
          d. Defendant ServisFirst Bank.

      ServisFirst agrees that the Court’s May 18, 2020 Initial Scheduling Order

contains reasonable dates and deadlines and should not be revised or amended.

ServisFirst also joins in Synovus’ opposition to the enlargement of number of

depositions for the same reasons stated by Synovus and because Plaintiff has

argued here and in favor of an MDL that there are common issues among all the

Defendants.

   6. WHETHER ANY PARTY WILL LIKELY REQUEST OR PRODUCE
      INFORMATION FROM ELECTRONIC OR COMPUTER-BASED
      MEDIA

          a. Plaintiff Sport & Wheat.

      Yes, Sport & Wheat has sought and will seek electronic information. This

falls into three main categories:

           Loan system information. Data from systems about loans, about
            agents’ contact and communications with each Defendant, and data
            showing whether an agent has been compensated. It may also
            including loan applications submitted to banks showing agents’
            names.

           Internal communications. Primarily, e-mails and other records of
            defendants’ decisions whether to pay agents fees as required by the
            PPP. Also, communications to lower-level employees about these
            policies.

           External communications. Primarily, e-mails, text messages, and
            web-based communications between Defendants and Sport & Wheat
            and the putative class members.




                                        15
         At this time, Sport & Wheat is largely in the dark about the state of these

systems. Not one Defendant came to the Rule 26(f) meeting with any information

regarding its systems. All Synovus would say is that its production would be

limited to reasonably available data. Synovus also expressly refused to identify the

names of any computer systems or databases, and said that if Synovus used “an

abacus” to keep its books, Sport & Wheat was not entitled to see the abacus. Truist

indicated it was in the process of gathering information and could not give

specifics. ServisFirst was “not in a position” to discuss ESI. Accordingly, the

parties were not able to discuss, e.g., anything about “the format and media” of ESI

requests or production. ISO, ¶ (2)(a)(vi)(3). That was despite Sport & Wheat’s

willingness to do so.

         However, Sport & Wheat believes that the relevant data should all be readily

available in Defendants’ systems, since the CARES Act was signed just three

months ago. No resort to backup tape or other heroic efforts should be expected.

         Sport & Wheat anticipates that most of the Defendants will raise various

financial privacy or business processes objections to the production of internal loan

files.

         Regarding the production of inadvertently produced material, no party

discussed this at the planning meeting. However, Sport & Wheat is fine to follow




                                            16
the Defendants’ suggestions to observe Rule 502(b) and all of Rule 26. Sport &

Wheat is confident the parties will work out such matters as professionals.

      Sport & Wheat also has taken reasonable steps to protect all potentially

relevant and discoverable data.

          b. Defendant Synovus Bank.4

      Synovus has served discovery requests on S&W and expects that S&W will

search S&W’s electronic and computer-based media for responsive documents

reasonably available to it and will produce such documents as they are kept in the

ordinary course of business. Synovus intends to do the same. Synovus anticipates

that it will produce ESI to the parties either via a secure online sharing service such

as Dropbox or by flash drive. Synovus has taken reasonable measures to preserve

potentially discoverable data from alteration or destruction in the ordinary course

of business or otherwise. With respect to procedures to deal with inadvertent

production of privileged or protected information, Synovus believes it is

appropriate for the parties and the Court to adhere to Federal Rule of Evidence

502(b) and Federal Rule of Civil Procedure 26(b)(5)(B).




4
  In connection with the preparation of this report, Plaintiff has attempted to make
representations regarding statements made by other parties during the conference
despite the fact that no court reporter was present and no transcript exists. Plaintiff
even attempted to make some such representations in a draft circulated at 6:50pm
on June 29, 2020—the day the report was due to the Court. Synovus objects.

                                          17
      Synovus disputes S&W’s representation above that it is “largely in the dark

about the state of [Synovus’] systems.” S&W took a Rule 30(b)(6) deposition of

Synovus on June 18, 2020 and engaged in an examination of Synovus’ corporate

representative regarding computer software and programs used by Synovus as well

as other technical matters. Additionally, Synovus disputes Plaintiff’s

representation above that “not one Defendant came to the Rule 26(f) meeting with

any information regarding its systems,” which is utterly vague.

          c. Defendant Truist Bank.

      Truist expects that the parties will request information from electronic or

computer-based media. Accordingly, Truist will search its electronic and

computer-based media for responsive documents that are reasonably available and

will produce such documents as they are kept in the ordinary course of business as

required under the Federal Rules of Civil Procedure. Truist expects that Plaintiff

will do the same. Truist anticipates that it will produce ESI to the parties

electronically, where size permits (such as via a FTP link), or by portable storage

device (e.g., Universal Serial Bus (USB) flash drive) delivered by U.S. Mail,

Federal Express, United Parcel Service, or courier. Truist has taken reasonable

measures to preserve potentially discoverable data from alteration or destruction in

the ordinary course of business or otherwise.




                                          18
       With respect to procedures to deal with inadvertent production of privileged

or protected information, Truist agrees that it is appropriate for the parties and the

Court to adhere to Federal Rule of Evidence 502(b) and Federal Rule of Civil

Procedure 26(b)(5)(B).

          d. Defendant ServisFirst Bank

       ServisFirst will issue discovery requests in due course and expects that S&W

will search S&W’s electronic and computer-based media for responsive documents

reasonably available to it and will produce such documents as they are kept in the

ordinary course of business. ServisFirst intends to do the same. ServisFirst

anticipates that it will produce ESI to the parties either via a secure online sharing

service such as Dropbox or by flash drive. ServisFirst has taken reasonable

measures to preserve potentially discoverable data from alteration or destruction in

the ordinary course of business or otherwise. With respect to procedures to deal

with inadvertent production of privileged or protected information, ServisFirst

believes it is appropriate for the parties and the Court to adhere to Federal Rule of

Evidence 502(b) and Federal Rule of Civil Procedure 26(b)(5)(B).

   7. GOOD FAITH ESTIMATE REGARDING TRIAL READINESS

          a. Plaintiff Sport & Wheat.

       Sport & Wheat believes the case can be ready for trial by June 1, 2021. It

will be a jury trial.



                                          19
           b. Defendant Synovus Bank.

        Synovus estimates that this case will be ready for trial in 120 days. Synovus

further believes that a bench trial would be appropriate.

           c. Defendant Truist Bank.

        Truist estimates that this case will be ready for trial by February 2021 and

believes that a bench trial is appropriate.

           d. Defendant ServisFirst Bank.

        ServisFirst estimates that this case will be ready for a bench trial in 120

days.

   8. WHETHER CASE SHOULD BE MADE SUBJECT TO THE
      MANUAL FOR COMPLEX LITIGATION

           a. Plaintiff Sport & Wheat.

        Yes. This is a substantial, nationwide class action, involving thousands of

agents. Plainly, the principles in the Manual for Complex Litigation could guide

and assist the Court and the parties in supervising this action.

        Moreover, the case is presently a “related action” in MDL 2950, In re

Paycheck Protection Program (PPP) Agent Fees Litig. The Judicial Panel on

Multidistrict Litigation has set the hearing on another plaintiff’s motion to transfer

this case to another district on July 30. All in all, approximately 40 federal cases

could be made an MDL and transferred elsewhere. The MCL suggests that a court

in this posture “should not automatically stay discovery,” should not


                                              20
“automatically postpone rulings on pending motions,” and should not “generally

suspend further proceedings.” MCL § 20.131.

      Assuming the action remains in this Court, it would be a good idea for the

Court to require periodic conferences with the parties, as set out in MCL § 11.42.

A monthly status conference with the parties to discuss discovery and to resolve

disputes—perhaps by video rather than by resort to slow and expensive briefing

processes—would be welcomed. The assistance of the Magistrate Judge would be

quite helpful. Sport & Wheat would be willing to facilitate the agenda.

      It also could be useful for the Court to consider coordination of schedules or

discovery plans with courts overseeing other actions where the Defendants have

been named. Both Synovus and Truist are defendants in other actions within the

federal system. The MCL has a lengthy section about this, Section 20.14,

“Coordination Between Courts.” Among the potential suggestions there include

sharing discovery responses between courts. “Filing or cross-filing deposition

notices, interrogatories, and requests for production in related cases will make the

product of discovery usable in all cases.” It continues, “Relevant discovery already

completed should ordinarily be made available to litigants in the other cases.”

Sport & Wheat is willing to consider coordinating its efforts with other plaintiffs in

other courts, providing that it is not prejudiced in terms of time or access to

discovery.



                                          21
      The Court should definitely also consider the tools in MCL § 11.423, “Other

Practices to Save Time and Expense.” In particular, this section is always helpful.

               Informal discovery. The court should encourage counsel
               to exchange information, particularly relevant
               documents, without resort to formal discovery (see
               section 11.13). Early exchanges can make later
               depositions more efficient. Informal interviews with
               potential witnesses can help determine whether a
               deposition is needed, inform later discovery, and provide
               the basis for requests for admissions through which the
               results of informal discovery are made admissible at trial.

      Sport & Wheat has repeatedly offered to conduct informal interviews of

witnesses—such as IT people, to help understand the location and structure of ESI.

Thus far, no defendant has offered to do this. The result is the need to go through a

difficult Rule 30(b)(6) process that still does not produce much helpful

information.

      The section on “Conference depositions,” in which several witnesses are

sworn simultaneously and questions are posed to the group as a whole, could also

be useful. MCL § 11.423.

      Sport & Wheat is extremely willing to be flexible and creative in the conduct

of discovery. This can only reduce costs, speed the delivery of relevant facts, and

eliminate wasteful or duplicative discovery responses. The Court’s supervision

and, so to speak, “thumb on the scale” when it comes to seeking voluntary

cooperation, would be a benefit to all.



                                           22
          Finally, a word regarding Defendants’ positions. As the Court will read,

each Defendant believes this is a simple, “no-brainer” dispute which the Court

should promptly dismiss. The parties obviously have a disagreement about the

fundamental value of the claims at stake. Sport & Wheat does not agree that the

sole federal legal issue advanced by some of the defendants is dispositive of the

case. Sport & Wheat’s silence here does not indicate its assent.

             b. Defendant Synovus Bank.

          This case should not be made “subject to” the Manual for Complex

Litigation. There is a simple reason for that: this case is not complex. It involves a

claim for $1,633. The case is also not suitable for class treatment. See, e.g.,

Synovus’s Motion to Dismiss the Amended Complaint, ECF 46 at 31-33.

          Additionally, this case should not be made “subject to” the Manual for

Complex Litigation because the Manual “does not have the force of law and cannot

undermine Supreme Court precedent or the decisions of” the Eleventh Circuit that

are binding on this Court. In re Pharmacy Benefit Managers Antitrust Litig., 582

F.3d 432, 442 (3d Cir. 2009); see also Introduction to the Manual for Complex

Litigation, Fourth, Ann. Manual Complex Lit. Introduction (4th ed.) (recognizing

that the Manual “should not be cited as[ ] authoritative legal or administrative

policy” and that “the Manual’s recommendations and suggestions are merely

that”).



                                            23
          c. Defendant Truist Bank.

      Truist agrees with Synovus that this case is not complex and that this case is

not suitable for class treatment. This case involves one fundamental issue: whether

federal law and regulations require private lenders such as Defendants to pay

alleged agents, such as Plaintiff, for their purported work in assisting small

businesses apply for and obtain PPP loans. Accordingly, the Manual for Complex

Litigation is not necessary.

          d. Defendant ServisFirst.

      ServisFirst agrees that this case should not be made subject to the Manual

for Complex Litigation. This is a straight-forward case that is unsuitable for class

treatment, and Federal Rule of Civil Procedure 23 provides ample guidance for this

Court to assess S&W’s putative class claims.




                                          24
Dated: June 29, 2020   Respectfully submitted,

                       /s/ William F. Cash III
                       Virginia M. Buchanan
                          (Fla. Bar No. 793116)
                       Matthew D. Schultz (Fla. Bar No. 640328)
                       William F. Cash III (Fla. Bar No. 68443)
                       LEVIN, PAPANTONIO, THOMAS,
                       MITCHELL, RAFFERTY &
                       PROCTOR, P.A.
                       316 South Baylen Street, Suite 600
                       Pensacola, FL 32502
                       Phone: 850-435-7059
                       Email: bcash@levinlaw.com

                       John S. Wirt, Esq. (Fla. Bar No. 117640)
                       Pamela Cocalas Wirt, Esq. (Fla. Bar No.
                       109576)
                       WIRT & WIRT, P.A.
                       5 Calhoun Ave, Suite 306
                       Destin, FL 32541
                       Tel: 847-323-4082
                       Fax: 314-431-6920
                       jwirt@wirtlawfirm.com

                       Attorneys for the Plaintiff


                       /s/ Philip A. Bates
                       Philip A. Bates
                       Florida Bar #228354
                       PHILIP A. BATES, P.A.
                       25 West Cedar Street, Suite 550 (32502)
                       Post Office Box 1390
                       Pensacola, FL 32591
                       pbates@philipbates.net
                       (850) 470-0091



                         25
James E. Butler, Jr.
Georgia Bar #099625
Ramsey B. Prather
Georgia Bar #658395
BUTLER WOOTEN & PEAK LLP
105 Thirteenth Street
P.O. Box 2766
Columbus, GA 31902
jim@butlerwooten.com
ramsey@butlerwooten.com
(706) 322-1990

Paul J. Nathanson (pro hac vice)
Columbia Bar #982269
DAVIS POLK & WARDWELL LLP
901 15th Street, N.W.
Washington, D.C. 20005
paul.nathanson@davispolk.com
(202) 962-7000

Antonio M. Haynes
New York Bar #5151816
DAVIS POLK & WARDWELL LLP
450 Lexington Ave.
New York, NY 10017
antonio.haynes@davispolk.com
(212) 450-4000

Attorneys for Defendant Synovus Bank




 26
Cheryl L. Haas (Admitted Pro Hac Vice)
Georgia Bar No. 316081
chaas@mcguirewoods.com
M. Laughlin Allen (Admitted Pro Hac Vice)
Georgia Bar No. 901999
mlallen@mcguirewoods.com
MCGUIREWOODS LLP
1230 Peachtree Street N.E.
Suite 2100
Atlanta, GA 30309-3534
T: (404) 443-5500
F: (404) 443-5599

Kathryn M. Barber (Admitted Pro Hac Vice)
Virginia Bar No. 88992
kbarber@mcguirewoods.com
MCGUIREWOODS LLP
Gateway Plaza
800 East Canal Street
Richmond, VA 23219-3916
T: (804) 775-1227
F: (804) 698-2227

Emily Y. Rottmann
Florida Bar No. 93154
erottmann@mcguirewoods.com
MCGUIRE WOODS LLP
50 N Laura Street, Suite 3300
Jacksonville, FL 32202
T: (904) 798-3200
F: (904) 798-3207

Attorneys for Defendant Truist Bank




 27
/s/ Logan T. Matthews
Logan T. Matthews
Lightfoot, Franklin & White, LLC
The Clark Building
400 20th Street North
Birmingham, Alabama 35203
Telephone: (205) 581-0700

Sara Anne Ford (admitted pro hac vice)
sford@lightfootlaw.com
R. Ashby Pate (admitted pro hac vice)
apate@lightfootlaw.com
Logan T. Matthews (Florida Bar No.
1002506)
lmatthews@lightfootlaw.com
Lightfoot, Franklin & White, LLC
The Clark Building
400 20th Street North
Birmingham, Alabama 35203
Telephone: (205) 581-0700

Attorneys for Defendant ServisFirst Bank




 28


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