In Leo v. Nationstar Mortg., the plaintiffs, who were borrowers from New Jersey and North Carolina, sought review of the force-placed insurance rate charged by their reverse-mortgage lender, Nationstar. Plaintiffs alleged Nationstar colluded with a hazard insurance company and a hazard insurance agent to pocket kickbacks on force-placed insurance policies. The Third Circuit affirmed the District Court’s dismissal of the plaintiffs’ suit, holding the filed-rate doctrine blocked the claims.