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OFFICIAL TRANSCRIPT of Hearing held on 7/30/2020 before the Panel at Washington, DC.… — Agent Fee Litigation (Dkt. 56)

Summary

The official transcript of oral argument held July 30, 2020 before the United States Judicial Panel on Multidistrict Litigation in In Re Wells Fargo Paycheck Protection Program Litigation, MDL Number 2954, filed August 28, 2020 as Document 56. It records argument on centralization, heard by video conference before a panel chaired by Judge Karen K. Caldwell, with two listed members recused. Counsel for DNM Contracting, Inc. asks for the Southern District of Texas or, alternatively, Southern California; counsel for Karen's Custom Grooming LLC urges the Southern District of California; and counsel for Wells Fargo opposes centralization and supports the District of Colorado if it is ordered. The panel questions counsel on how many cases remain pending and on tag-along actions. The thirteen-page transcript closes with the court reporter's certificate signed August 9, 2020.

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      Case MDL No. 2954   Document 56   Filed 08/28/20   Page 1 of 13
                                                                        1



 1                  BEFORE THE UNITED STATES JUDICIAL PANEL
                         ON MULTIDISTRICT LITIGATION
 2

 3   IN RE WELLS FARGO PAYCHECK    .      MDL Number 2954
     PROTECTION PROGRAM LITIGATION .      July 30, 2020
 4   - - - - - - - - - - - - - - -        4:27 p.m.

 5
                          TRANSCRIPT OF ORAL ARGUMENT
 6

 7   BEFORE:   HONORABLE KAREN K. CALDWELL, CHAIR
               United States District Court
 8             Eastern District of Kentucky

 9             HONORABLE ELLEN SEGAL HUVELLE
               United States District Court
10             District of Columbia

11             HONORABLE R. DAVID PROCTOR
               United States District Court
12             Northern District of Alabama

13             HONORABLE CATHERINE D. PERRY
               United States District Court
14             Eastern District of Missouri

15             HONORABLE NATHANIEL M. GORTON (Recused)
               United States District Court
16             District of Massachusetts

17             HONORABLE DAVID C. NORTON (Recused)
               United States District Court
18             District of South Carolina

19             HONORABLE MATTHEW F. KENNELLY
               United States District Court
20             Northern District of Illinois

21

22   Official Court Reporter:       SARA A. WICK, RPR, CRR
                                    U.S. Courthouse, Room 4704-B
23                                  333 Constitution Avenue Northwest
                                    Washington, D.C. 20001
24                                  202-354-3284

25   Proceedings recorded by stenotype shorthand.
     Transcript produced by computer-aided transcription.
      Case MDL No. 2954   Document 56   Filed 08/28/20   Page 2 of 13
                                                                        2



 1   APPEARANCES:

 2   For DNM Contracting, Inc.:     ALFONSO KENNARD, JR., ESQ.
                                    Kennard Law P.C.
 3                                  2603 Augusta Drive, 14th Floor
                                    Houston, Texas 77057
 4
     For Karen's Custom Grooming
 5   LLC:                        KATHLEEN A. HERKENHOFF, ESQ.
                                 Haeggquist and Eck LLP
 6                               225 Broadway, Suite 2050
                                 San Diego, California 92101
 7
     For Wells Fargo Bank, N.A.,
 8   Wells Fargo & Company:      CHRISTOPHER M. VIAPIANO, ESQ.
                                 Sullivan & Cromwell LLP
 9                               1700 New York Avenue Northwest
                                 Suite 700
10                               Washington, D.C. 20006

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      Case MDL No. 2954    Document 56   Filed 08/28/20   Page 3 of 13
                                                                                     3



 1                          P R O C E E D I N G S

 2        (All participants present via video conference.)

 3             JUDGE CALDWELL:     We will now proceed to hear the final

 4   case of the day, MDL 2954, In Re Wells Fargo Paycheck Protection

 5   Program Litigation.

 6        Mr. Kennard, you're back.

 7             MR. KENNARD:     It's an honor to be back, Judge.            Thank

 8   you so much.

 9        You've already heard my arguments on each bank needing to

10   have its own bucket.     So I won't reiterate that here.            And you

11   have heard my arguments now on the notion that there are damages

12   incurred regardless of whether or not they were ultimately

13   funded in the first round and regardless of whether or not there

14   are funds that remain available.

15        I would advocate for the Southern District of Texas.               Here,

16   we've got a highly capable judge in Judge Bennett, who would not

17   have now an exorbitant amount of MDL cases, but I will defer to

18   my colleagues on whether the Southern District of Texas is not

19   as acceptable to them.     We just first and foremost believe that

20   this would require MDL certification.

21        As to Wells Fargo specifically and their policies and

22   procedures, they have failed wholly to follow the model dictated

23   by the Act, which is first come first served is the way to go,

24   and many have suffered as a result of that.

25        And I will now yield for any questions since a bulk of my
      Case MDL No. 2954   Document 56     Filed 08/28/20   Page 4 of 13
                                                                              4



 1   arguments have already been made in the last six minutes.

 2               JUDGE CALDWELL:   Questions?       Judge Huvelle.

 3               JUDGE HUVELLE:    Yes.   How many cases against Wells

 4   Fargo are now still pending?       It seemed that we heard from the

 5   other two banks that the number of cases has shrunk since the

 6   beginning, and I was wondering when the last one was filed.

 7               MR. KENNARD:   I think the last one was filed several

 8   months ago, Judge.    I haven't seen a whole bunch of new ones

 9   coming in right now.    But as I sit here right now, I am not in a

10   position to give an exact number as to how many Wells Fargo

11   cases remain, but as I understand, they are -- it's closer to

12   the original number filed than the alternative.

13               JUDGE HUVELLE:    Which might have been five or six, I

14   guess.   Okay.   I will ask someone else, then.          Thank you.

15               JUDGE CALDWELL:   Anyone else have questions for

16   Mr. Kennard?

17          Thank you, Mr. Kennard.     You've reserved a minute for

18   rebuttal.

19               MR. KENNARD:   Thank you.

20               JUDGE CALDWELL:   We will now hear from Kathleen

21   Herkenhoff.

22               MS. HERKENHOFF:   Good afternoon.         Can you hear me?

23               JUDGE CALDWELL:   We can hear you, but we cannot see

24   you.   It appears that maybe your screen is being blocked.

25               MS. HERKENHOFF:   Can you see me now?
      Case MDL No. 2954    Document 56   Filed 08/28/20   Page 5 of 13
                                                                                    5



 1              JUDGE CALDWELL:    No.   We are happy to hear from you.

 2   We would like to see you, but we will hear from you.                Okay, we

 3   can see you.

 4              MS. HERKENHOFF:    Again, good afternoon.         My name is

 5   Kathleen Herkenhoff.     I work at Haeggquist & Eck out of San

 6   Diego, California, and I represent Karen's Custom Grooming in

 7   one of the Wells Fargo cases.

 8        Before starting, I guess to briefly answer the question

 9   raised with the last counsel, by my count, I believe there's

10   about seven cases.     We've lost item numbers 2 and 3 on the

11   schedule of actions.     That was the Scherer action.         They were

12   both dismissed, whether voluntarily or otherwise, and that's in

13   ECF 44.   An additional case which Wells Fargo noticed had been

14   filed in ECF 49.     That's the Borisov individual case in the

15   Central District.    So we lost a Central District but we gained a

16   Central District.

17        And so to go to the primary focus of my argument, it's

18   correct that I opposed centralization as it was originally

19   proposed, which would have included the securities class action,

20   not that they could not have been included, but for procedural

21   reasons, they are set up under a different statutory scheme.

22   They have a discovery stay.     It didn't seem appropriate to

23   centralize with them.     They apparently agree, because they have

24   not only made that position but left.

25        So now in Northern District, we only have the one case,
      Case MDL No. 2954    Document 56   Filed 08/28/20   Page 6 of 13
                                                                                  6



 1   Marselian, filed by a different firm and which I have noted in

 2   my papers is filed by a firm that is located here in San Diego

 3   for a client here in San Diego.       So in addition to my case which

 4   is San Diego-centric, you have the Marselian case filed in

 5   Northern District but by counsel and a client in San Diego.            You

 6   now have an additional Central District case.

 7        So when we talk about where these cases are related or

 8   directed, not only is it California, but it's Southern

 9   California.   And I think my issue with the centralization

10   proposal for Southern District of Texas originally, their claims

11   are much more narrow as styled in their complaint.            Out here in

12   California between Marselian and myself, we have nationwide-

13   proposed classes.    We have state of California classes.           And as

14   between the two, I think even Wells Fargo's briefs indicated my

15   claims are broader.

16        So the broader claims are in California.           The banks have

17   principal places of business in California.          Their lawyers,

18   while McGuire Woods and Sullivan & Cromwell are in different

19   areas, they also have Los Angeles bases.

20        I see my time is up, but I think our pitch is

21   centralization of the what I call consumer cases, but certainly,

22   they should be in the Southern District of California.

23             JUDGE CALDWELL:     Any questions for Ms. Herkenhoff?

24        Thank you very much.

25             MS. HERKENHOFF:     Thank you.
      Case MDL No. 2954   Document 56   Filed 08/28/20   Page 7 of 13
                                                                                  7



 1               JUDGE CALDWELL:   We will hear from Mr. Viapiano.

 2               MR. VIAPIANO:   Good afternoon again, Your Honors.

 3   Christopher Viapiano of Sullivan & Cromwell in Washington, D.C.,

 4   again representing Wells Fargo & Company and Wells Fargo Bank

 5   N.A.   Wells Fargo opposes centralization of these cases but, if

 6   they are to be centralized, supports centralization in the

 7   District of Colorado.

 8          In very stark contrast to the agent fee cases that we

 9   discussed just a little while ago, movant here seeks to

10   centralize just a handful of actions brought only against Wells

11   Fargo.   And this panel has repeatedly held that where there are

12   few actions to be centralized, the proponent of centralization

13   bears the heavier burden.

14          The panel has also considered whether litigation is growing

15   in determining whether centralization is appropriate.              There's

16   reason to believe that we are much closer to the end of these

17   prioritization cases being filed than to the beginning.

18          Plaintiffs in these cases claim that Wells Fargo did not

19   process PPP loan applications in the correct order and that they

20   did not receive a loan from Wells Fargo, resulting in injury.

21   As counsel for some of the other lenders have said already

22   today, nearly $130 billion in funding remains available.

23   Lenders continue to accept applications.        So any small business

24   that wants a loan and is eligible under applicable SBA

25   regulations can get one, even today.
      Case MDL No. 2954    Document 56   Filed 08/28/20   Page 8 of 13
                                                                               8



 1        Movant doesn't come close to satisfying its heightened

 2   burden for centralization.     In seeking centralization, movant

 3   focuses on how Wells Fargo processed PPP loan applications.

 4   While that undoubtedly is important, it masks significant

 5   factual differences among these few cases, differences that

 6   movant does not address.     Some plaintiffs got PPP loans from

 7   lenders other than Wells Fargo.       Some withdrew their

 8   applications, while others were offered a loan by Wells Fargo

 9   but never followed up to provide the necessary information.

10        These factual differences make or break these cases.           And

11   contrary to what Mr. Kennard said, they go to such threshold

12   issues as to whether plaintiffs actually were injured and have

13   standing to bring these cases.

14        Indeed, the very first of this type of case filed against

15   Wells Fargo was voluntarily dismissed after we contacted the

16   plaintiffs' counsel to inform them that both of the named

17   plaintiffs received PPP loans from Wells Fargo.           If the

18   remaining cases survive motions to dismiss, plaintiffs would

19   have significant difficulty being appointed class

20   representatives.     These factual issues about plaintiffs, not how

21   Wells Fargo processed applications, predominate and define these

22   cases.

23        The cases to be centralized here are few in number, not

24   growing, and lack a common factual core, all unlike the agent

25   fee cases we discussed earlier.       To the extent necessary,
      Case MDL No. 2954   Document 56       Filed 08/28/20   Page 9 of 13
                                                                                    9



 1   discovery can be coordinated across these cases because Wells

 2   Fargo is represented by the same counsel.

 3        Thank you, Your Honors.

 4                JUDGE CALDWELL:   Questions for Mr. Viapiano?             Judge

 5   Huvelle.

 6                JUDGE HUVELLE:    Yes.    I'm just trying to get a handle

 7   on what has happened to the securities case in front of Judge

 8   Seeborg.   Is that a part of this motion or not a part of this

 9   motion?    I was confused by what counsel said a moment ago.

10                MR. VIAPIANO:    Sorry for talking over you, Your Honor.

11   It is not.    The movant and the plaintiff in the securities case

12   stipulated that it would not be a part of this motion.

13                JUDGE HUVELLE:    Okay.     So that leaves us with one from

14   Texas, one from Northern -- one from Southern California, one

15   from Northern, and one from Colorado, or am I missing one?

16   That's four.

17                MR. VIAPIANO:    Your Honor, we have those four as a

18   part of the original motion.       We noticed a tag-along action that

19   was filed in the District of Minnesota.            That gives us five

20   class actions.    There is the individual action also filed in

21   California that we noticed as a tag-along.              And then late last

22   night in an action that we have not even been served with, there

23   was one class action filed in the Northern District of

24   California.

25        Before that action -- and this is to my point that these
      Case MDL No. 2954   Document 56   Filed 08/28/20   Page 10 of 13
                                                                                 10



 1   cases do not appear to be growing -- the last case, the last

 2   class action was filed in mid-June and, before that, the last

 3   case in May.

 4              JUDGE HUVELLE:    But you just filed one yesterday in

 5   the Northern District of California, or not?

 6              MR. VIAPIANO:    We did late last night, Your Honor.

 7              JUDGE HUVELLE:    So it's a little more recent.          And

 8   where is the other tag-along?      One is in Minnesota, Northern

 9   District of California, and the third one?

10              MR. VIAPIANO:    That was the individual action pro se,

11   Your Honor.    That's in the Central District of California.

12              JUDGE HUVELLE:    And do you know whether under

13   California practice they have the ability in California to

14   consolidate cases that are in the Northern, Central, and

15   Southern District, or are they limited by the district?

16              MR. VIAPIANO:    I think by the district, though

17   certainly 1404 is available.

18              JUDGE CALDWELL:    Anything else?        Thank you, all.   Now

19   we will hear a minute rebuttal from Mr. Kennard.

20              MR. KENNARD:    Thank you, Judge.

21        I think speaking to the last point, clearly the fact that

22   one was filed last night in and of itself is evidence that it is

23   growing.   It may not be 100 that have been filed, but one, in

24   essence, is growing.    So we've had one filed as recently as last

25   night.
      Case MDL No. 2954   Document 56   Filed 08/28/20   Page 11 of 13
                                                                               11



 1        Admittedly, there is one claimant in Texas, and the

 2   majority are in Southern California.        So we would ask in the

 3   alternative, if the Southern District of Texas is not ideal,

 4   that the MDL be set up in Southern California.

 5        It wouldn't make sense to go to Colorado where you only

 6   have one claimant, just the same way it wouldn't make sense, if

 7   I acquiesced to the notion, there is only one in Texas where I

 8   filed our collective action.       We have still brought a nationwide

 9   collective action in Texas and would be happy to deal with this

10   in Southern California where the bulk reside.          Again, we have

11   folks from Minnesota and all over, so it makes sense where the

12   majority of the claimants are, and in fact, Wells Fargo is

13   headquartered in California.       I will concede to that point that

14   Southern California would be the best place, but Colorado just

15   makes no sense.

16        I see I am out of time.       Thank you, Judge.

17              JUDGE CALDWELL:    Thank you.

18        Any questions for Mr. Kennard?        All right.     Thank you.

19              JUDGE HUVELLE:    One final question.

20              JUDGE CALDWELL:    Yes, Judge Huvelle.

21              JUDGE HUVELLE:    I see two in the Northern District,

22   based on what the defense counsel just said.          So to the extent

23   we are looking, why Southern District of California?            There's

24   one that's Karen's Custom Grooming.        Are there others in

25   Southern California?
      Case MDL No. 2954    Document 56   Filed 08/28/20   Page 12 of 13
                                                                                12



 1               MR. KENNARD:    Judge, as far as I know, that would then

 2   equalize the amount in Northern California or Southern

 3   California.   We would be fine in either one, but we have asked

 4   for Texas, and my colleague has asked for Southern California.

 5   So I would say California is the place to be, Judge, northern or

 6   southern.

 7               JUDGE HUVELLE:    Okay.   Thank you.

 8               JUDGE CALDWELL:    Anyone else?

 9        All right.      I would like to thank all counsel who have

10   argued today.   That concludes the hearing on MDL 2954.              The

11   matter will stand submitted.

12        (Proceedings in MDL 2954 concluded at 4:43 p.m.)

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      Case MDL No. 2954   Document 56   Filed 08/28/20   Page 13 of 13
                                                                         13



 1                 CERTIFICATE OF OFFICIAL COURT REPORTER

 2

 3             I, Sara A. Wick, certify that the foregoing is a

 4   correct transcript from the record of proceedings in the

 5   above-entitled matter.

 6

 7              Please Note:    This hearing occurred during the

 8   COVID-19 pandemic and is, therefore, subject to the

 9   technological limitations of court reporting remotely.

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12   /s/ Sara A. Wick                           August 9, 2020

13   SIGNATURE OF COURT REPORTER                DATE

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