No. 10-56884
IN THE UNITED STATES COURT OF APPEALS
FOR THE NINTH CIRCUIT
___________________________________________
VIEN-PHUONG THI HO,
Plaintiff-Appellant,
v.
RECONTRUST COMPANY, N.A., ET AL.,
Defendants-Appellees.
___________________________________________
On Appeal from the
United States District Court for the
Central District of California
Hon. George H. Wu
Case No. 2:10-cv-00741
_______________________________________________________
BRIEF OF AMICUS CURIAE
CONSUMER FINANCIAL PROTECTION BUREAU
IN SUPPORT OF APPELLANT AND REVERSAL
_______________________________________________________
Meredith Fuchs
General Counsel
To-Quyen Truong
Deputy General Counsel
John R. Coleman
Assistant General Counsel
Nandan M. Joshi
Thomas M. McCray-Worrall
Attorneys
Consumer Financial Protection Bureau
1700 G Street, NW
Washington, D.C. 20552
(202) 435-9683 (telephone)
(202) 435-7024 (facsimile)
thomas.mccray-worrall@cfpb.gov
Counsel for Amicus Curiae
Consumer Financial Protection Bureau

QUESTIONS PRESENTED
Pursuant to this Court’s Order of June 8, 2015, this brief addresses “whether,
in this case, defendant ReconTrust is a ‘debt collector’ for the purposes of the Fair
Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., or its implementing
regulations” and “[i]n general . . . whether a trustee who forecloses on a California
deed of trust in a non-judicial action qualifies as a ‘debt collector’ because he has
‘attempt[ed] to collect, directly or indirectly, debts owed or asserted to be owed or
due to another.’” See ECF No. 67 at 1–2 (quoting 15 U.S.C. § 1692a(6)) (second
bracketed text in original).

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