The New Jersey Appellate Division has upheld a lower court dismissal of a credit life class action, compelling enforcement of an arbitration clause in the parties’ loan documents. "This decision clearly establishes, for the first time in New Jersey law, that a consumer arbitration clause that precludes class action is enforceable," said Len Bernstein, a partner with the Philadelphia office of Reed Smith, which provided defense in Gras, Sr., et al. v. Associates First Capital