Eglin Federal Credit Union v. Baird
A credit union unilaterally added an arbitration provision and class action waiver to its member agreement and sought to compel arbitration of fee-related class claims. The First DCA held that a hyperlink to a quarterly newsletter buried in a routine e-statement email gave one member no reasonable notice (no agreement formed), while a properly mailed four-page notice with the provision and an opt-out form plus continued account use did establish assent by the other member. Nonetheless, the court affirmed denial of arbitration for both because the provision's language did not unequivocally state that it applied retroactively to previously accrued claims.
Key facts
- Eglin Federal Credit Union sought to compel arbitration and class action waiver of fee-related claims brought by two of its members who alleged the credit union unilaterally added these provisions to their member agreements.
- For one member, the credit union sent notice via a hyperlink embedded in a routine e-statement email that did not mention or contain the new terms; for the other member, the credit union mailed a four-page notice packet containing the arbitration provision, class action waiver, cover letter, and opt-out form, and the member failed to opt out and continued using the account.
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Why it matters
This is a useful decision for consumer-side and business litigators resisting mid-relationship arbitration amendments: it sets a clear rule that an arbitration clause reaches only prospectively accrued claims absent… — full analysis with a trial
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