Circuit Splits Reported in U.S. Law Week—March 2025

U.S. Law Week summarizes selected splits among U.S. federal courts of appeals each month.

Consumer Protection

Case:

Roberts v. Carter-Young Inc., 2025 BL 83823 (Article)

Issue:

Are credit agencies required by the Fair Credit Reporting Act to investigate only factual, but not legal, debt disputes? The Fourth Circuit says that there is no legal/factual distinction, but the First and Tenth circuits make the distinction.

Criminal Law

Case:

United States v. Erker, 2025 BL 67570 (Article)

Issue:

Must prosecutors in a money laundering case trace all the commingled funds in the defendant’s account to determine which are dirty and ...