• Two service animal stories and the lessons they teach

    I am belatedly blogging about two recent decisions that have already been discussed elsewhere.¹ The legal issues presented are interesting,² but for businesses concerned with service animals the practical lessons are, I think, more important.

    In Mission Working Dogs a group of disabled individuals took their service dogs in training to a local mall where they would both practice good behavior around strangers and practice doing the things they were supposed to do as service dogs. The legal question was whether the ADA protects service animals that are being trained but have not yet been trained. The answer from the Court was yes, it does.

    Putting aside that legal holding it is worthwhile to look little more carefully at how the ADA applies to this situation. Nothing in the ADA simply says that public businesses must allow service dogs. Instead the ADA and its regulations say that if a business has a rule, policy, or procedure that would interfere with the equal use and enjoyment of the business by a disabled person then the business must make reasonable changes to that rule unless there is a direct threat to persons or property. Applied to a fully trained service dog the analysis goes like this:

    1. The mall has a rule against animals in the mall.
    2. A disabled individual with a service dog can’t go anywhere without their dog.
    3. The no animal rule makes it impossible for the disabled person to use and enjoy the mall.
    4. A trained dog on a leash isn’t likely to cause any real trouble.
    5. Therefore the mall has to waive the no animals rule to permit the disabled person to bring their dog into the mall.

    The key part of this analysis is item 4 – a trained dog on a leash isn’t likely to cause any real trouble. Item 4 makes it reasonable to ask the mall owner to waive the no animal rule and, at the same time, implies the dog won’t be a threat to anyone.

    Now let’s substitute a pack of trained service dogs with their owners traveling in a group around the mall. No matter how well behaved the dogs are, ten owners plus ten dogs in a group are far more likely to cause problems than one dog and its owner, if for no other reason than crowding in merchandise aisles. If the dogs are untrained and possibly not well-behaved the problem is worse. It isn’t hard to see why a mall owner might object to their property being used as a training ground under these circumstances.

    And that is exactly what happened. After some back and forth the dogs and owners were kicked out of the mall. They sued and the owner’s defense was that untrained dogs are not covered. The district judge disagreed. Could the owner have won the case if it had done something other than just allowing the dogs and owners to do whatever they wanted? I’ll answer that question after considering the second case, Reeves v. Immediate Medical Care.

    In Reeves a disabled patient with a service dog went to see a doctor in a local clinic. The service dog was trained to help his owner, who suffered from PTSD and anxiety, avoid “self harming” behaviors. When Reeves went in with his dog the the patient was told the doctor had severe allergies to dogs and could not be in the same room as the dog.  The allergies were in fact severe and could cause the doctor to have trouble breathing. The doctor then offered to see the patient without the dog or to have the patient see another doctor. The patient insisted on his right under the ADA to see the original doctor with his dog because allergies could not override the ADA. After that things pretty quickly escalated to the point the police were called and the patient and dog were expelled.

    In this case the clinic won because the doctor did everything right. There was a real threat to health because the doctor’s allergies were severe.  The doctor gave the patient alternatives that would have permitted the patient to get medical treatment without any delay or real inconvenience. And it was the patient, not the doctor, that escalated the situation by making the unreasonable demand to see the doctor despite the threat to the doctor’s health.

    What does this tell us about where the shopping mall went wrong? The mall did exactly what the patient in Reeves did. The mall relied on some bit of advice from the internet about service dogs in training not being covered by the ADA the same way the patient in Reeves relied on some supposed rule that allergies don’t trump the need for a service animal.

    The difference was that in Reeves the doctor and clinic correctly looked at the situation as problem to be solved rather than some law or legal principle to be enforced. Because the patient’s need could be met by another doctor or by leaving the dog in the lobby the clinic presented a solution that should have satisfied everyone. The patient lost because he wanted to stand on his rights under the law instead of trying to figure out how to get medical treatment.

    The mall, and any other business faced with a problem from a service animal, needs to take the same approach. For the mall it was unlikely that any one or even two dogs together would be disruptive; the problem was a pack of dogs. The obvious solution would have been to offer to let the group stay in the mall if they dispersed so there wasn’t any large crowd of dogs. If one of the owners was letting their dog off leash and the dog did not behave the mall could have insisted the dog be kept on leash.  The key is looking for solutions to the problem caused by the dogs instead of standing on a supposed legal principle.

    There are black and white legal issues, of course. A dog that is threatening (because it strains at its leash, barks or snaps at strangers) can be excluded as a threat.  The same with a dog that isn’t trained and defecates or urinates in the mall. But where the problem is just too many dogs in one place at one time there is a solution; asking the dogs and owners to disperse.

    This specific situation may not come up very often, but the principle applies to every problem created by a service animal in a public place. Business owners should ask themselves “what can I do to allow this disabled person to use and enjoy this business while mitigating the problem they are causing.” This may require some thought, but thinking is unavoidable if a business wants to avoid ADA problems. At the end of the day the side that tries hardest to find a solution to the problem is likely to end up on the right side of a lawsuit under the ADA because at the heart of the obligation to accommodate service animals is the requirement that it be “reasonable.” Being and making a record of reasonableness is the best way to handle service animal issues.

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    ¹ You can read about Mission Working Dogs v. Brookfield Props. Retail, Inc., 2025 U.S. Dist. LEXIS 41134) at William Goren’s blog: Surprise Surprise: Service Dogs in Training Are Covered by the ADA you can read about Reeves v. Immediate Medical Care, P.A., in Seyfarth Shaw’s blog at Can Businesses Exclude Service Animals Based on the Allergies of Others? 

    ² It is important to be careful when reading cases like these that are decided by a single federal district judge. No matter how interesting the legal principles are the decision of a district judge is not binding on any other judge. In fact, the judge who announces a legal principle can change their mind about it later. I think it is likely that a court of appeals would disagree with the district court in Mission Working Dogs because an untrained dog does not provide any benefit to the disabled handler and thus excluding it does not interfere with the handler’s use and enjoyment of the business. I suspect, however, there will be no appeal and we will never know for sure.


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  • Beer and website accessibility

    I had the pleasure to join Chris Hinds and Amber Hinds of equalizedigital.com on their Accessibility Craft podcast. It was fun and, I hope, there was some good information to share about the law. You can find it here.


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  • DOJ withdraws ADA Guidance – does it mean anything?

    Not long after Trump was elected in 2016 the Department of Justice withdrew a number of older guidances intended to help businesses deal with ADA issues. For the most part the withdrawn guidances were out of date and their withdrawal was unlikely to have any effect on businesses with ADA issues.¹ The new Trump administration has just withdrawn even more older ADA guidances, so it is worth asking what, if anything, this means for the day-to-day operation of most businesses.

    The first batch of guidances withdrawn by DOJ concerned Covid-19 related issues:

    • COVID-19 and the Americans with Disabilities Act: Can a business stop me from bringing in my service animal because of the COVID-19 pandemic? (2021)
    • COVID-19 and the Americans with Disabilities Act: Does the Department of Justice issue exemptions from mask requirements? (2021)
    • COVID-19 and the Americans with Disabilities Act: Are there resources available that help explain my rights as an employee with a disability during the COVID-19 pandemic? (2021)
    • COVID-19 and the Americans with Disabilities Act: Can a hospital or medical facility exclude all “visitors” even where, due to a patient’s disability, the patient needs help from a family member, companion, or aide in order to equally access care? (2021)
    • COVID-19 and the Americans with Disabilities Act: Does the ADA apply to outdoor restaurants (sometimes called “streateries”) or other outdoor retail spaces that have popped up since COVID-19? (2021)

    These were issued during the first year of the Biden presidency and are arguably out of date now that the pandemic has more or less ended. They all shared what might be called a “liberal” view of the ADA that interpreted its requirements in an expansive way. Their withdrawal presumably indicates that DOJ will now take a more restricted view of what the ADA requires from Title III businesses.

    The next four guidances withdrawn reflect a subtle defiance of the purpose of the ADA. They are:

    • Expanding Your Market: Maintaining Accessible Features in Retail Establishments (2009)
    • Expanding Your Market: Gathering Input from Customers with Disabilities (2007)
    • Expanding Your Market: Accessible Customer Service Practices for Hotel and Lodging Guests with Disabilities (2006)
    • Reaching out to Customers with Disabilities (2005)

    These four guidances encouraged businesses to view ADA compliance as a means to improve their market share by attracting customers with disabilities.  All were somewhat out-of-date, but it seems unlikely DOJ will issue updated versions. The current administration is vehemently against all forms of regulation; even the kind of mild encouragement to comply with the ADA represented by these guidances.

    DOJ’s reference in the press release to the tax incentives for ADA compliance² makes it clear that this administration believes its audience of Title III businesses only cares about direct monetary subsidies. It is convinced that businesses will not comply with the ADA because it is the right thing to do or even because it might, in the long run, expand the business’s customer base. It appears to believe instead that only direct financial incentives will cause businesses to comply with the ADA

    The last two withdrawn guidances are just out of date because they were issued before the 2010 ADA Standards for Accessible Design.

    • Americans with Disabilities Act: Assistance at Self-Serve Gas Stations (1999)
    • Five Steps to Make New Lodging Facilities Comply with the ADA (1999)

    Sometimes you do just need to clean house.

    Withdrawing these guidances will have no substantive effect on businesses subject to Title III of the ADA. The original guidances were not binding on Title III businesses because they were just guidances. Removing them from DOJ’s website won’t make matters any better or any worse than they were before. The Presidential Order that lead to the removal of the guidances,  “Delivering Emergency Price Relief for American Families and Defeating the Cost-of-Living Crisis” was a piece of meaningless PR presumably intended to suggest the administration is taking meaningful action when in fact it isn’t really doing anything at all to help businesses or those with disabilities. As with many other such public acts this one is a lot of sound and fury signifying nothing, or at least nothing that would really help public accommodations deal with the most pressing ADA problem for Title III entities; industrial scale litigation by so called “testers.”  I don’t expect any meaningful action by DOJ except inaction; that is, choosing not to enforce the ADA at all.

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    ¹ See my earlier blogs, ADA Withdraws Guidances and Service Animal Guidance

    ² The DOJ Press Release can be found at DOJ Press Release


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  • ADA and FHA Enforcement News

    Letting someone else do your work for you is a very efficient way to write a blog, but I won’t use any form of AI because it seems to be a lot more A than I. Instead this time I’m pointing you to the work of others, with a few conclusions of my own.

    Let’s start with an important issue for any business – insurance to cover litigation expenses. Dave Gibson at Accessibility.works has investigated insurance to cover accessibility claims and blogs about it at Will Insurance Cover Web Accessibility ADA Lawsuits. I can’t vouch for all of his conclusions, but he is absolutely correct when he points out that business owners should not assume their general liability policy covers accessibility claims for either physical access or web access.

    My friend and colleague Bill Goren has blogged about a recent federal district court decision in Minnesota finding that internet only businesses are covered by Title III of the ADA. Websites covered by Title III. It is an interesting case because this is the first court in the Eighth Circuit to rule directly on this issue. You can read Bill’s blog (and others) for the details, but the most important thing for businesses to remember is that federal district court opinions are not binding on any other court, or even on the same court in a later case.  The judge next door may disagree, something that has happened more than once in the Southern District of New York. Those of us with an professional interest find these cases fascinating¹, but until there is a circuit court decision there is little comfort to be taken in the opinion of a single district judge.

    Next I’d like to point to two posts from Seyfarth Shaw’s ADA Title III blog. In the first, they discuss a recent decision from New York showing one judge’s extreme skepticism about the entire ADA litigation industry. See, Judicial Rebuke. In the other they point out that after a low in 2023 the number of federal ADA website lawsuits went up in 2024, driven in significant part by filings from a single law firm. See, ADA Lawsuits Rebound. Taken together with Bill Goren’s blog above these reflect what has been a very consistent pattern in ADA Title III litigation. Some individual judges take steps to rein in industrial ADA Title III litigation while others, by expanding the scope of the ADA to include internet only businesses and similar rulings, encourage this kind of litigation. The net effect is that while the number of lawsuits fluctuates from year to year there is no real long term decrease despite the good news and no long term increase despite the bad news. Case filings are not driven not by increasing or decreasing website accessibility, but rather by the choices of individual law firms and their pet plaintiffs. In short, private ADA Title III website litigation is not about accessibility and never has been; it is a means for plaintiffs’ attorneys to exploit the cost of litigation in federal court to make money by offering settlements that are just a bit cheaper than any cost of defense that might succeed. With federal judges limited to deciding one case at a time no individual judge can really take action that would either promote real accessibility or discourage industrial litigation. Any meaningful improvement in website accessibility will come only when the present legislative and administrative scheme is completely re-worked. Any meaningful decrease in the exploitation of the ADA as a way for lawyers to make money without in fact promoting accessibility will require the same. Congress has proven incapable of any kind of ADA Title III reform no matter which party has a majority and which party is in the White House, so I expect that we’ll continue to see the same kinds of reports in ADA blogs into the indefinite future.

    On the Fair Housing front the Trump Administration’s announcement that it will cut funding for private groups that enforce fair housing laws is a good reason to reflect on just how fair housing enforcement works. We have five kinds of fair housing plaintiffs. DOJ is the big dog with the largest budget and the most power. There seems little doubt that DOJ will choose not to enforce fair housing or other civil rights laws during this administration. HUD itself handles housing discrimination complaints and will no doubt continue to do so, but it seems likely the word will eventually trickle down to the investigators that HUD is not going to seriously prosecute fair housing complaints. So much for government action. Private non-profits who receive federal grants are the third kind of plaintiff and the just announced cuts in grants is no doubt intended to cripple their ability to operate. It is not clear cutting grants will have the desired effect. While rules concerning Article III standing complicate the picture, litigation settlements are a source of funding for these organizations and with no federal money coming in they may step up their litigation activities to make up the difference. The fourth group is made up of professional private plaintiffs, that is, individuals not working for a non-profit who file many lawsuits as “testers.”  Their activities will not be reduced at all, and they are among the most active plaintiffs. The last group is individuals who file suit without first filing a HUD or other administrative complaint. They are not numerous and the HUD changes will not affect them. I think that in any ecosystem when one predator steps aside others will rush in to fill the open space. By cutting grants to non-profit housing organizations HUD may simply encourage more and larger private tester lawsuits.

    Does this mean internet businesses and housing providers should be discouraged? Not really. The best protection against litigation is doing the right thing; that is, making websites accessible and complying with the requirements of the FHA. This is not as easy as it sounds, but it is possible to reduce litigation risk with the right procedures in place. Look to right hand side of this page for a good place to start on those procedures.

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    ¹ One of the first rules in defending ADA Title III lawsuits is to know your judge because so much depends on the track record of the individual judge. Knowing what individual judges will do is part of the essential knowledge of lawyers who, like me, defend these cases.


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  • Shooting the messenger in FHA cases revisited.

    Some time ago I blogged on a case in which a lease broker was sued for conveying to a prospective tenant the owner’s discriminatory refusal to rent.¹ Today I’m taking another look at the shooting the messenger problem, this time with a difference; the messenger was an insurance broker. Thanks to Bill Goren for call Chhang v West Coast USA Properties LLC to my attention and providing the detailed background that you should read to fully understand the case.²

    The gist of the case is simple. A tenant requested the waiver of the landlord’s breed restrictions as an accommodation for her emotional support animal. The landlord, acting with appropriate caution, asked their insurance broker to confirm the breed restriction before telling the tenant it could not grant her request. The broker confirmed that under the terms of the insurance policy permitting a prohibited breed could void the policy. The landlord then turned down the request because allowing the animal would void its insurance policy. So far the landlord, at least, seems to have done nothing wrong. HUD agrees that an accommodation is unreasonable if it requires the landlord to lose their insurance.³

    The tenant sued the landlord and the insurance broker. The broker moved to dismiss under Rule 12(b), though it apparently did not directly address the FHA specific issues with the claims against it, instead arguing it simply had no common law duty to obtain insurance that would allow restricted breeds. The Court nonetheless carefully analyzed existing precedent about insurance companies violating the FHA and concluded that where the denial of insurance made an apartment “effectively unavailable” to the tenant that denial could be a violation of 42 USC §3604(f)(1), the FHA provision that generally prohibits disability discrimination.

    It is worth noting that during its discussion of the FHA precedents the Court never distinguishes between the role played by an insurance broker, who in theory does no more than find insurance, and the insurance company itself. Insurance companies decide what their policies do and do not allow. In theory a broker is just the bearer of bad tidings when it tells the landlord what the policy allows or does not allow.  So why did the Court deny the broker’s motion to dismiss? The reason was not related to whether the insurance policy itself was discriminatory, but rather to the broker’s alleged misrepresentation of the policy. The plaintiff alleged that when the broker told the landlord the policy could be cancelled this was not true.

    “Plaintiff alleges, however, that the Mercury policy contained no limitation on dog breeds that could be owned by tenants residing on the property. (SAC ¶ 26.) Nor did the policy contain any cancellation provision or other penalty if West Coast allowed a tenant to keep one of the listed dog breeds. (Id.)”

    The broker was not merely bearing bad tidings; rather, it was misrepresenting the terms of the policy. Thus it was the broker, not the insurance company, that made the apartment effectively unavailable. This is different that the “shoot the messenger” cases I blogged on earlier because in those cases the real estate broker gave truthful information about the owner’s discrimination. However, in those earlier cases the broker was not merely the bearer of bad tidings, it was also the person who carried out the landlord’s discriminatory demands.

    The takeaways for insurance companies, insurance brokers and real estate brokers are:

    • An insurance company that includes breed restrictions in its policies should explicitly provide that those breed restrictions do not apply to assistance animals the landlord is required to allow, whether they are emotional support animals, service animals, or other assistance animals. This should avoid a claim that it is the insurance company that has effectively denied coverage.
    • An insurance broker who is asked about breed restrictions should be careful in what it says.  It is very common for businesses to rely on their broker rather than their insurance company to tell them what their policy does or does not allow. The broker in this case got in trouble because they were (allegedly) wrong about the policy terms; a little more care might have spared everyone a lawsuit. (it is reasonable to ask whether the apartment owner could sue the broker for giving it bad information that lead to a lawsuit).
    • Finally, being the bearer of bad tidings probably does not violate the FHA because carrying the message does not effectively deny access to housing. But real estate brokers who act as leasing agents and therefore both bring the bad news and implement the discriminatory policy may violate the FHA even if they are just carrying out their client’s orders.

    And a final note for lawyers representing a client sued under the FHA. You cannot, as the broker’s lawyers seem to have done in this case, simply rely on common law or insurance law defenses. If the suit is brought under the FHA you must directly address how the FHA applies to the claims against your client; treating common law rights as duties as relevant to the discrimination claims, but not as dispositive of those claims.

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    ¹ See, Shoot the messenger! I revisited the issue a few years later in What’s bugging HUD

    ² See Bill’s blog at http://www.understandingtheada.com/blog/2025/02/17/insurance-policies-landlords-containing-breed-restrictions-esa-service-animals-violate-the-fair-housing-act.

    ³ HUD Memorandum June 12, 2006 to FHEO Regional Directors.


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Richard Hunt, author