Joshua Harris and Donita Olds v. W6LS, Inc., doing business as WithU and WithU Loans, and Caliber Financial Services, Inc.

Harris v. W6LS · United States Court of Appeals for the Seventh Circuit · June 5, 2026 · No. No. 24-2056

Summary

The United States Court of Appeals for the Seventh Circuit denied a petition for rehearing and rehearing en banc in an arbitration dispute involving Joshua Harris, Donita Olds, W6LS, Inc., and Caliber Financial Services, Inc. The court ordered that its March 31, 2026 opinion be amended to clarify that it affirmed on contract-formation grounds, while noting that the prospective-waiver doctrine's application to state statutory rights remains unresolved.

Court
United States Court of Appeals for the Seventh Circuit
Writing for the Court
Doris L. Pryor; Joshua P. Kolar; Nancy L. Maldonado
Jurisdiction
United States Court of Appeals for the Seventh Circuit
Decision date
June 5, 2026
Docket number
No. 24-2056
Procedural posture
Defendants petitioned for rehearing and rehearing en banc after the court issued an amended opinion affirming the district court's judgment.
Precedential value
published
Parties
W6LS, Inc., doing business as WithU and WithU Loans, Caliber Financial Services, Inc. v. Joshua Harris, Donita Olds, on behalf of plaintiffs and the class members described herein
Disposition
writ_denied

Topics

arbitrationcontract formationappellate procedurecivil procedure

Practice areas

arbitrationcontractsappellate procedurecivil procedure

Questions Presented

  1. Whether the petition for rehearing and rehearing en banc should be granted.
  2. Whether the court could affirm the district court's judgment on the contract-formation issue concerning the arbitration and delegation provisions after requesting and receiving supplemental briefing.

Key quotations

Formation, on the other hand, is a clear prerequisite for delegation and arbitration, and provides a narrower path to resolving this case on the facts before us. (2)
And we may generally affirm the district court’s judgment on any ground supported by the record. (2)

Factual background

The case concerns loan agreements containing arbitration and delegation provisions. The district court ruled on the parties' dispute based solely on prospective waiver, while the Seventh Circuit's amended opinion addressed whether the arbitration and delegation provisions were formed.

Procedural history

The appeal arose from the United States District Court for the Northern District of Illinois, Eastern Division, in case No. 1:23-cv-16429. The district court based its decision solely on prospective waiver; on appeal, the Seventh Circuit requested supplemental briefing concerning contract formation as to the arbitration and delegation provisions of the loan agreements and affirmed on that alternative basis in an amended opinion. The court denied rehearing and rehearing en banc.

Court Document

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