 Gorsuch and the Court ruled against the borrowers, holding that Santander in this case is not a debt collector under the Fair Debt Collection Practices Act since they purchased the original defaulted car loans from CitiFinancial for pennies on the dollar, making Santander the owner of the debts and not merely an agent.When the act was enacted, regulations were put on institutions that collected other companies' debts, but the act left unaddressed businesses collecting their own debts.Gorsuch joined the majority in "National Institute of Family and Life Advocates v. Becerra", and "Janus v. AFSCME", which both held unconstitutional certain forms of compelled speech.