A panel of federal appellate judges appeared skeptical about allowing CashCall Inc. to avoid paying any restitution to consumers in addition to a $10 million civil money penalty awarded to the Consumer Financial Protection Bureau.

Despite its skepticism toward the complete lack of consumer restitution, the three-judge U.S. Court of Appeals for the Ninth Circuit panel also appeared unconvinced by the CFPB’s request for nearly $200 million in restitution to consumers who took out loans in states where the triple-digit interest rates were illegal.

“The trouble is, should it be zero? And that’s difficult for me,” Judge Ryan Nelson said...