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Mass Arbitration

Evidentiary Precondition

A clause term requiring documentary proof of a claim before arbitration may be initiated.

Rather than screening claims after filing, an evidentiary precondition front-loads the burden: the demand must attach proof of the transaction, the account, or the injury before it counts as filed. Well drafted, it filters unvetted inventory at low cost. Overdrawn, it becomes a claim-suppressing device — and courts assessing unconscionability ask whether an ordinary consumer could realistically satisfy the requirement years after the underlying transaction.

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