U.S. Bank National Assoc. v. Hill

Summary

The Oklahoma Supreme Court held that Hill’s appeal of the directed verdict on Category II punitive damages was barred because she had accepted the judgment, reversed the wrongful‑foreclosure finding against U.S. Bank, reversed the OCPA claim against Nationstar, affirmed the FDCPA judgment, reversed the attorney‑fee award and unauthorized costs, and remanded for a reasonable fee determination. The Court clarified the “no‑risk” exception, applied the OCPA exemption for actions regulated by the CFPB, and affirmed that FDCPA liability required a default at the time of servicing.