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Andy Desty v. Santander Consumer USA, Inc.

Paid petition · United States Court of Appeals for the Eleventh Circuit, No. 24-13606 · judgment December 9, 2024


Certiorari denied · October 6, 2025
Pre-decision estimate: 0% cert probability

Before the decision, well below the 4.1% base rate, with no standout signals pointing toward a grant.

Question presented

Whether this Court’s decisions interpreting the Equal Protection Clause of the Fourteenth Amendment, 42 U.S.C. § 1983, including Fuentes v. Shevin, 407 U.S. 67, 80, 96-97, 92 S.Ct. 1983, 32 L.Ed.2d 556 (1972); Sniadach v. Family Finance Corp., 395 U.S. 337, 340-42, 89 S.Ct. 1820, 23 L.Ed2d 349 (1969); Lugar v. Edmondson Oil Co., 457 U.S. 922, 924, 102 S.Ct. 2744, 73 L.Ed.2d 482 (1982), permit Santander Consumer USA Inc.’s use of deprivation of rights and properties without due process of law decisions. Whether this Court’s decisions interpreting the Takings Clause ofthe Fifth Amendment, including Tyler v. Hennepin County, Minnesota, 143 S. Ct. 1369 (May 25, 2023); Boyd v. U.S., 116 U.S. 616 at 635 (1885), permit Santander Consumer USA Inc.’s use oftaking and depriving private properties for public use without just compensation and without due process of law decisions. Whether this Court’s decisions interpreting the Truth in Lending Act (TILA) in Advertising of Downpayments and Installments of the United States Code Title 15 Section 1662, and in Determination of Finance Charge of the United States Code Title 15 Section 1605(a)(b)(c)(d), including Stone v. Powell, 428 U.S. 465, 483 n. 35, 96 S. Ct. 3037, 49 L., permit Santander Consumer USAInc.’suseof deceiving the American people to enter and to draft consumer credit contracts and transactions by forcing to deposit large amounts of downpayments money in Consumer Credit Transactions without full disclosure of required law decisions.

Counsel of record

For petitioner
Andy Desty

For respondent
Matthew T. Covell
Holland & Knight, LLP

Case

Conference history
Distributed for 2 conferences

Proceedings

  1. Jan 12 2026
    Rehearing DENIED.
  2. Dec 10 2025
    DISTRIBUTED for Conference of 1/9/2026.
  3. Oct 23 2025
    Petition for Rehearing filed.
  4. Oct 06 2025
    Petition DENIED.
  5. Aug 06 2025
    DISTRIBUTED for Conference of 9/29/2025.
  6. Jul 08 2025
    Waiver of right of respondent Santander Consumer USA, Inc. to respond filed.
  7. Apr 08 2025
    Petition for a writ of certiorari filed. (Response due July 25, 2025)