Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-cand-3_10-cv-02497/USCOURTS-cand-3_10-cv-02497-2/pdf.json

Nature of Suit Code: 220
Nature of Suit: Foreclosure
Cause of Action: 28:1444 Petition for Removal- Foreclosure

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1 All parties have consented to my jurisdiction

pursuant to 28 U.S.C § 636(c) for all proceedings, including

entry of final judgment.

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UNITED STATES DISTRICT COURT

NORTHERN DISTRICT OF CALIFORNIA

LEONCIO LORENZO,

Plaintiff(s),

v.

BANK OF AMERICA,

Defendant(s).

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No. C10-2497 BZ 

ORDER REMANDING CASE

In court on July 21, 2010, plaintiff dismissed his tenth

cause of action, which stated a federal claim.1 Defendants

contend that plaintiff’s request for rescission and a

temporary restraining order are in fact usury claims, and are

therefore preempted by federal law under Beneficial Nat’l Bank

v. Anderson, 539 U.S. 1 (2003). Plaintiff complains that the

loan was “not suited for his financial circumstances” (¶ 14),

Case 3:10-cv-02497-BZ Document 18 Filed 07/26/10 Page 1 of 2
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not that it was usurious. Under the well-pleaded complaint

rule, plaintiff’s decision not to assert a usury claim is

dispositive, regardless of whether the facts might support

such a claim. Caterpillar, Inc. v. Williams, 482, U.S. 386,

392 (1987). Thus, preemption does not create federal

jurisdiction. 

Plaintiff having dismissed the only federal claim, the

Court declines to exercise supplemental jurisdiction over the

remaining claims as they are all state claims and there have

been no substantial proceedings in this court. Plaintiff’s

motion to remand is GRANTED. Plaintiff’s motion for

attorney’s fees is DENIED. The Clerk is directed to transfer

the case to the San Mateo County Superior Court. 

Dated: July 26, 2010 

 Bernard Zimmerman 

 United States Magistrate Judge

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