{"id":4092,"date":"2018-04-12T19:05:47","date_gmt":"2018-04-12T19:05:47","guid":{"rendered":"https:\/\/accessdefense.com\/?p=4092"},"modified":"2018-05-23T15:15:20","modified_gmt":"2018-05-23T15:15:20","slug":"credit-union-victories-in-ada-website-litigation-an-opportunity-for-all-defendants","status":"publish","type":"post","link":"https:\/\/accessdefense.com\/?p=4092","title":{"rendered":"Credit Union victories in ADA website litigation: an opportunity for all defendants."},"content":{"rendered":"<p><a href=\"https:\/\/accessdefense.com\/wp-content\/uploads\/2018\/04\/St_George_Slaying_Dragon_1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-medium wp-image-4106\" src=\"https:\/\/accessdefense.com\/wp-content\/uploads\/2018\/04\/St_George_Slaying_Dragon_1-206x300.jpg\" alt=\"St_George_Slaying_Dragon_1\" width=\"206\" height=\"300\" srcset=\"https:\/\/accessdefense.com\/wp-content\/uploads\/2018\/04\/St_George_Slaying_Dragon_1-206x300.jpg 206w, https:\/\/accessdefense.com\/wp-content\/uploads\/2018\/04\/St_George_Slaying_Dragon_1.jpg 687w\" sizes=\"auto, (max-width: 206px) 100vw, 206px\" \/><\/a>It seems that CUNA, the Credit Union National Association has been slaying the dragon of serial website accessibility litigation.* \u00a0In fact, the filing of a CUNA brief recently caused the plaintiff to just give up, dismissing the case voluntarily rather than face another unfavorable decision.** Looking at why CUNA has succeeded when the history of website litigation is mostly a story\u00a0of defense failures points to an important rejection of standing based on dignitary harm, a rejection that\u00a0may give defendants in non-credit union cases\u00a0a useful argument of their own.<!--more--><\/p>\n<p>At the heart of CUNA&#8217;s victories have been holdings that the plaintiff lacked standing because the credit union in question had a restricted membership and the plaintiff could not qualify to join the credit union. Thus, she could not be injured by any lack of website accessibility. As CUNA writes in a recent brief:<\/p>\n<p style=\"padding-left: 30px;\">[Plaintiff]\u00a0has not suffered concrete and particularized harm because she has not alleged that she meets the eligibility requirements for membership in IBEW as set forth in its charter, nor would any remedial action regarding the website cure her lack of eligibility to become a member.<\/p>\n<p>(Document No. 14-2 in <em>Thurston v. Local 20 IBEW Federal Credit Union,\u00a0<\/em>3:18-cv-00133-S, Northern District of Texas).<\/p>\n<p>&#8220;Concrete and particularized harm&#8221; is the basic requirement for any plaintiff in a federal lawsuit because without that harm there is no &#8220;case or controversy&#8221; and Article III of the Constitution permits federal courts to hear only cases or controversies. No harm, no right to sue. It&#8217;s that simple.<\/p>\n<p>What makes the credit union victories important is that many courts have said that ADA harm arises from merely confronting\u00a0inaccessibility, even if there is no economic or social consequence. This approach is best summed up in the 9th Circuit&#8217;s\u00a0bizarre tautological argument concerning building standards:<\/p>\n<p style=\"padding-left: 30px;\">Because the ADAAG establishes the technical standards required for \u201cfull and equal enjoyment,\u201d if a <span id=\"co_term_5529\" class=\"\">barrier<\/span> violating these standards relates to a plaintiff&#8217;s disability, it will impair the plaintiff&#8217;s full and equal <span id=\"co_term_5546\" class=\"\">access<\/span>, which constitutes \u201cdiscrimination\u201d under the <span id=\"co_term_5552\" class=\"\">ADA<\/span>. That discrimination satisfies the \u201cinjury-in-fact\u201d element of <em>Lujan<\/em><\/p>\n<p><em>Chapman v. Pier 1 Imports (U.S.) Inc.<\/em>, 631 F.3d 939, 947 (9th Cir. 2011). In other words, a violation of the technical standards injures any person with the appropriate disability even if it has no real effect on that individual&#8217;s ability to access the relevant goods and services. This is in keeping with the 9th Circuit&#8217;s recognition of &#8220;dignitary harm&#8221; as a ground for standing FHA disability access cases.\u00a0<em>Smith v. Pacific Properties and Development Corp., <\/em>358 F.3d 1097 (9<sup>th<\/sup> Cir. 2004). The concept of dignitary harm assumes that a statute like the ADA or FHA is intended not just to provide access to the disabled, but also to spare them the psychological trauma of even confronting\u00a0a barrier to accessibility.<\/p>\n<p>Website accessibility cases differ from the physical access at issue in\u00a0<em>Chapman<\/em>\u00a0because there is no website accessibility standard that can be said to create an injury by definition. Plaintiffs avoid\u00a0this by alleging certain specific &#8220;defects&#8221;\u00a0that can be identified with easy to use software tools. They then allege that because of these defects they were inhibited from &#8220;researching&#8221; or investigating the goods and services offered. They do not usually allege an actual intent to take advantage of the goods and services; only that they could not complete their research.<\/p>\n<p>In this respect there no meaningful\u00a0difference between the allegations concerning standing that have succeeded in non-credit union cases and those that failed in credit union cases. Non-credit union decisions have not required an allegation that the plaintiff actually intended to take advantage of the goods and services offered; only that the plaintiff was unable to research those goods and services or could not access specific features of the website. The same allegations are made in the credit union website cases. [Compare,\u00a0<em>Gathers v. 1-800-Flowers.com, Inc.<\/em>, 17-CV-10273-IT, 2018 WL 839381 (D. Mass. Feb. 12, 2018) with the complaint in <em>Thurston v. Local 20 IBEW Federal Credit Union, supra<\/em>].\u00a0The claimed harm is not in losing the right to buy, but in losing the right to shop.\u2020<\/p>\n<p>But does the ADA protect the right to shop in such a way that denial of that right creates a concrete and particularized injury? The plaintiff in a credit union case would claim that any person with ordinary vision can use a credit union website without being able to join the credit union\u00a0and so a blind person should be able to as well. The harm the blind plaintiff suffers is the harm of not being treated the same as a person with vision, even though neither of them can get any real benefit from access to the website. That harm &#8211; unequal treatment with no real consequence &#8211; is dignitary harm. It makes the &#8220;victim&#8221; feel bad, but nothing more. This dignitary harm is also the harm that plaintiffs in non-credit union website cases suffer. Because they are only at the website to look for accessibility issues\u00a0there is no meaningful consequence of the denial of access beyond their possibly injured feelings.<\/p>\n<p>This kind of dignitary harm is precisely what district courts are rejecting in the credit union cases. Here&#8217;s how the court put it just last week in <i>Carroll v. New People&#8217;s Bank, Inc.,<\/i>\u00a02018 WL 1659482 (W.D. Va., April 5, 2018):<\/p>\n<p style=\"padding-left: 30px;\">Moreover, if dignitary harm under such circumstances was sufficient to confer <span id=\"co_term_1484\" class=\"\">standing<\/span>, \u201cthen any disabled person who learned of any barrier to <span id=\"co_term_1495\" class=\"\">access<\/span> [of a public accommodation] would automatically have <span id=\"co_term_1503\" class=\"\">standing<\/span> to challenge the barrier, thereby essentially eliminating the <span id=\"co_term_1512\" class=\"\">injury<\/span>-in-fact requirement.\u201d<\/p>\n<p><em>Id.,\u00a0<\/em>quoting\u00a0<em>Griffin v. Dep&#8217;t of Labor Fed. Credit Union<\/em>, No. 1:17-cv-1419, (E.D. Va. Feb. 21, 2018), ECF No. 19, <em>appeal docketed<\/em>, No. 18-1312 (4th Cir. Mar. 20, 2018). The District Court in\u00a0<em>New People&#8217;s Bank<\/em> noted that this kind of injury without an injury was just what the plaintiff wanted because it was necessary to power the litigation machine created by his attorneys:<\/p>\n<p style=\"padding-left: 30px;\">Indeed, this is precisely what Carroll argues that the law should permit him to do \u2013 sue each and every <span id=\"co_term_1571\" class=\"\"><span id=\"co_term_1571_0\">website<\/span><\/span> of a public accommodation that has a barrier to <span id=\"co_term_1581\" class=\"\">accessibility<\/span>.<\/p>\n<p><em>Id.<\/em>\u00a0What the court does not note is that in ordinary website accessibility cases this is exactly what the courts have permitted; that is, cruising the internet looking for lawsuits. Drive-by or serial litigants have been doing this for years, suing because they saw an ADA violation even though it caused them no injury at all.<\/p>\n<p>This is where the credit union cases offer an opportunity for all ADA defendants. They cannot be reconciled with other cases brought by serial ADA filers. They demand that in any website accessibility case; or indeed, any ADA case of any kind, the court ask precisely what injury is being claimed and whether that injury is one\u00a0the ADA is intended to prevent. The\u00a0ADA was intended to prevent exclusion from the social and economic life of the nation. A serial plaintiff whose days are spent looking for websites that lack alt-tags is not suffering from that kind of\u00a0harm the ADA. \u00a0All courts should follow the lead of the courts that have dismissed credit union website cases and hold that to establish standing a plaintiff must allege and then prove discrimination with a\u00a0real consequences, not merely a theoretical difference in treatment or a lack of access with no concrete harm beyond perhaps some bad feelings.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/accessdefense.com\/wp-content\/uploads\/2018\/04\/TexasBarToday_TopTen_Badge.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-4124 \" src=\"https:\/\/accessdefense.com\/wp-content\/uploads\/2018\/04\/TexasBarToday_TopTen_Badge-211x300.jpg\" alt=\"TexasBarToday_TopTen_Badge_VectorGraphic\" width=\"148\" height=\"210\" srcset=\"https:\/\/accessdefense.com\/wp-content\/uploads\/2018\/04\/TexasBarToday_TopTen_Badge-211x300.jpg 211w, https:\/\/accessdefense.com\/wp-content\/uploads\/2018\/04\/TexasBarToday_TopTen_Badge-721x1024.jpg 721w, https:\/\/accessdefense.com\/wp-content\/uploads\/2018\/04\/TexasBarToday_TopTen_Badge.jpg 861w\" sizes=\"auto, (max-width: 148px) 100vw, 148px\" \/><\/a>* See our blog, &#8220;<a title=\"Websites, the ADA and standing \u2013 yes, it matters.\" href=\"https:\/\/accessdefense.com\/?p=3962\" target=\"_blank\">Websites, the ADA and standing \u2013 yes, it matters<\/a>.&#8221;<\/p>\n<p>** &#8220;<a title=\"CUNA sees victory\" href=\"https:\/\/www.cuinsight.com\/press-release\/cuna-sees-victory-with-texas-ada-case-dismissal\" target=\"_blank\">CUNA sees victory with Texas ADA case dismissal<\/a>&#8221;<\/p>\n<p>\u2020 Or, to put it in more official sounding terms, does it protect a right of access to the place where goods and services are provided that is independent of the right to actually use those goods and services.<\/p>\n<p>\u2021 See our blog &#8220;<a title=\"Abusive ADA litigation \u2013 let\u2019s treat the disease instead of the symptoms\" href=\"https:\/\/accessdefense.com\/?p=3813\" target=\"_blank\">Abusive ADA litigation \u2013 let\u2019s treat the disease instead of the symptoms<\/a>&#8220;<\/p>\n<script type=\"text\/javascript\" src=\"http:\/\/platform.linkedin.com\/in.js\"><\/script><script type=\"in\/share\" data-url=\"https:\/\/accessdefense.com\/?p=4092\"><\/script><br \/>","protected":false},"excerpt":{"rendered":"<p>It seems that CUNA, the Credit Union National Association has been slaying the dragon of serial website accessibility litigation.* \u00a0In fact, the filing of a CUNA brief recently caused the plaintiff to just give up, dismissing the case voluntarily rather than face another unfavorable decision.** Looking at why CUNA has succeeded when the history of [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2,221,220,161,116,162],"tags":[45,46,423,424,106,425],"class_list":["post-4092","post","type-post","status-publish","format-standard","hentry","category-accessibility-litigation-trends","category-ada-drive-by-litigation","category-ada-serial-litigation","category-ada-internet","category-ada-internet-web","category-ada-web-access","tag-ada","tag-ada-litigation","tag-credit-union","tag-cuna","tag-wcag-2-0","tag-website-litigation"],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p2BooO-140","jetpack_sharing_enabled":true,"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/accessdefense.com\/index.php?rest_route=\/wp\/v2\/posts\/4092","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/accessdefense.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/accessdefense.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/accessdefense.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/accessdefense.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4092"}],"version-history":[{"count":29,"href":"https:\/\/accessdefense.com\/index.php?rest_route=\/wp\/v2\/posts\/4092\/revisions"}],"predecessor-version":[{"id":4232,"href":"https:\/\/accessdefense.com\/index.php?rest_route=\/wp\/v2\/posts\/4092\/revisions\/4232"}],"wp:attachment":[{"href":"https:\/\/accessdefense.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4092"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/accessdefense.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4092"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/accessdefense.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4092"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}