{"argument_date":"2019-01-07T00:00:00Z","arguments":[{"argument_date":"2019-01-07T00:00:00Z","heading":"What happened at the argument","official_detail_url":"https://www.supremecourt.gov/oral_arguments/argument_transcript/2018","official_transcript_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","paragraphs":["Mr. Shanmugam argued that enforcing security interests is not debt collection.","Mr. Geyser argued that non-judicial foreclosures are direct debt collection attempts.","Mr. Bond argued that Congress limited debt collector status to one subsection.","Mr. Geyser argued that the statute targets actions to enforce real property interests."],"reargument":false,"sequence":1,"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 45-13","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 10, lines 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43-53"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 14, lines 9-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 14, lines 9-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 15, lines 21-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 15, lines 21-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 15, lines 43-45","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 15, lines 43-45"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 15, lines 51-53","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 15, lines 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29-35"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 41-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 67, lines 41-41"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 47-51","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 67, lines 47-51"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 68, lines 31-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 68, lines 31-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 68, lines 35-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 68, lines 35-37"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 68, lines 41-9","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 68, lines 41-9"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 69, lines 27-35","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 69, lines 27-35"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 69, lines 55-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 69, lines 55-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 70, lines 41-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 70, lines 41-41"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 73, lines 43-53","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 73, lines 43-53"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 74, lines 27-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 74, lines 27-29"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 8, lines 31-47","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 8, lines 31-47"}]}],"caption":"Obduskey v. McCarthy & Holthus LLP.","case_history":[{"changed_at":"2026-08-29T20:06:20.207135Z","explanation":"An official oral-argument transcript was verified.","status":"argued"},{"changed_at":"2026-08-29T20:06:20.239455Z","explanation":"An official oral-argument transcript was verified.","status":"argued"}],"case_status":"argued","dek":"The dispute centers on whether enforcing a security interest constitutes debt collection under federal law.","dek_sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 35, lines 53-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 35, lines 53-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 23-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 4, lines 23-37"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 58, lines 39-19","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 58, lines 39-19"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 15-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 67, lines 15-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 70, lines 41-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 70, lines 41-41"}],"dispositions":[],"latest_court_document_date":"2019-01-07T00:00:00Z","maturity":"official_transcript","official_detail_url":"https://www.supremecourt.gov/oral_arguments/argument_transcript/2018","official_disposition_urls":[],"official_docket_url":"https://www.supremecourt.gov/docket/docketfiles/html/public/17-1307.html","primary_docket":"17-1307","revisions":[{"correction_note":"Rewritten to the concise citizen-facing editorial standard.","created_at":"2026-08-30T18:02:44.660733Z","maturity":"official_transcript","revision_number":1},{"correction_note":"Migrated to the dated official Court activity contract without model use.","created_at":"2026-09-05T03:22:24Z","maturity":"official_transcript","revision_number":2}],"schema_version":"1.1","sections":[{"heading":"What this case is about","paragraphs":["This case tests the scope of the Fair Debt Collection Practices Act. It asks if enforcing a security interest counts as debt collection."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 35, lines 53-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 35, lines 53-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 23-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 4, lines 23-37"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 58, lines 39-19","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 58, lines 39-19"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 15-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 67, lines 15-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 70, lines 41-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 70, lines 41-41"}]},{"heading":"How the case got here","paragraphs":["The Supreme Court heard oral argument in this case on January 7, 2019."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 11-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 4, lines 11-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 74, lines 27-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 74, lines 27-29"}]},{"heading":"What each side wants","paragraphs":["the side that brought the case wants the Court to hold that enforcing a security interest is not debt collection.","the opposing side wants the Court to hold that enforcing a security interest is debt collection."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 35, lines 53-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 35, lines 53-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 23-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 4, lines 23-37"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 58, lines 39-19","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 58, lines 39-19"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 15-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 67, lines 15-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 70, lines 41-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 70, lines 41-41"}]},{"heading":"What each side says","paragraphs":["the side that brought the case argues that enforcing a security interest is distinct from collecting a debt.","the opposing side argues that pre-foreclosure notices function as traditional debt collection attempts."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 35, lines 53-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 35, lines 53-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 23-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 4, lines 23-37"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 58, lines 39-19","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 58, lines 39-19"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 15-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 67, lines 15-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 70, lines 41-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 70, lines 41-41"}]},{"heading":"What the justices asked","paragraphs":["Justice Gorsuch asked how the statute handles the word threatening.","Justice Breyer asked who falls under part two but not part one."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 45-13","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 10, lines 45-13"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 17-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 11, lines 17-49"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 12, lines 45-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 12, lines 45-49"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 13, lines 11-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 13, lines 11-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 14, lines 43-53","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 14, lines 43-53"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 14, lines 9-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 14, lines 9-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 15, lines 21-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 15, lines 21-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 15, lines 43-45","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 15, lines 43-45"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 15, lines 51-53","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 15, lines 51-53"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 15, lines 9-15","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 15, lines 9-15"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 39-45","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 5, lines 39-45"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 29-35","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 67, lines 29-35"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 41-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 67, lines 41-41"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 47-51","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 67, lines 47-51"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 68, lines 31-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 68, lines 31-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 68, lines 35-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 68, lines 35-37"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 68, lines 41-9","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 68, lines 41-9"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 69, lines 27-35","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 69, lines 27-35"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 69, lines 55-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 69, lines 55-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 73, lines 43-53","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 73, lines 43-53"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 74, lines 27-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 74, lines 27-29"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 8, lines 31-47","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 8, lines 31-47"}]},{"heading":"Why it matters","paragraphs":["This case defines the legal status of law firms enforcing security interests. It determines whether these firms face federal debt collection restrictions. The outcome shapes the regulatory landscape for non-judicial foreclosures."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 35, lines 53-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 35, lines 53-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 23-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 4, lines 23-37"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 58, lines 39-19","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 58, lines 39-19"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 15-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 67, lines 15-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 70, lines 41-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 70, lines 41-41"}]},{"heading":"What happens next","paragraphs":["This article currently covers the argument record. Use the official docket link for later case activity."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 45-13","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 10, lines 45-13"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 17-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 11, lines 17-49"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 12, lines 45-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 12, lines 45-49"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 13, lines 11-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 13, lines 11-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 14, lines 43-53","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 14, lines 43-53"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 14, lines 9-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 14, lines 9-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 15, lines 21-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2018/17-1307_31g5.pdf","page_label":"file page 15, lines 21-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 15, lines 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