Plaintiffs' Statement of Additional Facts in Opposition to Defendant's Cross-Motion for Summary Judgment

PLAINTIFFS’ LOCAL RULE 56.1(b)(3)(C) STATEMENT OF ADDITIONAL FACTS IN OPPOSITION TO DEFENDANT’S CROSS-MOTION FOR SUMMARY JUDGMENT

Pursuant to Federal Rule of Civil Procedure 56 and Local Rule 56.1(b)(3)(C), Plaintiffs Illinois Bankers Association (“IBA”), American Bankers Association (“ABA”), America’s Credit Unions (“ACU”), and Illinois Credit Union League (“ICUL”) respectfully submit the following Statement of Additional Facts in opposition to Defendant Kwame Raoul’s Cross-Motion for Summary Judgment.

I. PLAINTIFFS USE AND PLAN TO USE DATA IN A WAY THAT IS ARGUABLY PROSCRIBED BY THE DATA USAGE LIMITATION

1. Plaintiffs’ members currently use electronic payment transaction data from transactions that occur in Illinois for purposes beyond facilitating or processing the transaction, including providing fraud protection, building predictive fraud and credit models, credit risk scoring models and decisions, anti-money laundering monitoring, monitoring cardholder disputes, and reward programs to cardholders. See, e.g., Dkt. 24-1, ¶ 10 (“Hultgren Decl.”) (“The IBA’s members currently use electronic payment transaction data from transactions that occur in Illinois for many legitimate, pro-consumer purposes beyond processing the transaction.Those purposes include providing fraud protection and reward programs to cardholders, as well as monitoring cardholder disputes.”); Dkt. 24-3, ¶ 28 (“Narusis Decl.”) (national bank); Dkt. 24-4, ¶ 27 (“Francois Decl.”) (Illinois state-chartered bank); Dkt. 24-5, ¶ 28 (“Randazzo Decl.”) (Iowa state-chartered bank); Dkt. 24-6, ¶ 28 (“Reed Decl.”) (federally chartered savings association); Dkt. 24-7, ¶ 29 (“Manfre Decl.”) (Illinois savings bank); Dkt. 24-8, ¶ 26 (“Conrad Decl.”) (national bank) (“Those purposes include building predictive fraud and credit models, fraud and credit risk scoring models and decisions, and cardholder loyalty programs”); Dkt. 24-9, ¶ 25 (“Williams Decl.”) (national bank) (noting current data usage purposes include “predictive fraud monitoring, volume trending/velocity checking and merchant analysis/reporting”); Dkt. 24-10, ¶ 29 (“Sitaula Decl.”) (national bank) (noting current data usage purposes include “providing fraud protection, anti-money laundering monitoring, credit risk management and reward programs”); Dkt. 24-11, ¶¶ 34-35 (“Sullivan Decl.”) (national bank); Dkt. 24-12, ¶¶ 56-57, 61 (“Aikat Decl.”) (card network); Dkt. 24-14, ¶ 27 (“Garrett Decl.”) (federal credit union); Dkt. 24-15, ¶¶ 30, 32 (“Fauth Decl.”) (Illinois state-chartered credit union).

Download to read the full text.