It was Justice Neil Gorsuch's first written opinion since joining the Court in April 2017.

When the loans went unpaid, CitiFinancial repossessed and sold them to Santander Consumer USA, and told the individuals they owed the difference between the purchase price and the amount of money for which CitiFinancial sold the debt.

[3] Justice Neil Gorsuch, writing his first opinion, ruled against the borrowers, holding that Santander in this case is not a debt collector under the FDCPA.

[5] Gorsuch hinted that Congress could revisit the law, writing, "[i]t's hardly unknown for new business models to emerge in response to regulation, and for regulation in turn to address new business models.

But neither should the proper role of the judiciary in that process — to apply, not amend, the work of the People’s representatives.