The US Constitution is very clear that states cannot pass ex post facto laws. (Art. I, sec. 10, cl. 1). But SCOTUS held way back in 1798 (Calder v. Bull) that only criminal laws can be ex post facto laws; the prohibition does not apply to civil laws.
So the state can't imprison you but it can work with a non-governmental entity to impoverish you. Nice!
Stare decisis is indeed for suckers.
SCOTUS are communist’s who don’t care about the constitution. Just because they give a ruling does not make them right. Look how many times they change there own rulings whenever it suits them.
So you think it is OK to financially destroy you based on a law that did not exist when you did something. Destroy your reputation as well. That it is OK as long as you can’t go to jail for it. Use a little common sense. The founders didn’t put in any such exceptions.... A crooked court did.