T hi s di s pos i t i on i s notappr opr i a t e f orpubl i c a t i on and i s notpr e c e de nt * e xc e pta s pr ovi de d by 9th C i r . R . 36- 3.

T he pa ne l una ni m ous l yc onc l ude s thi s c a s e i s s ui t abl e f orde c i s i on ** w ith o u t o r a l a r g u m e n t. See F ed. R . A pp . P . 34 (a )( 2). NOT F OR P UB L I CAT I ON UN I TE D STATE S C OU RT OF APPE ALS FOR T HE NI NTH CI RC UI T S Y L W E S T E R S L O JE W S K I, P la in tif

f - A p p e lla n t, v. P OL AM F E DE R AL C R E DI T UN I ON , D ef

endant- A pp el l ee . N o. 11- 15018 D . C. N o . 3 : 0 9 - c v - 0 3 0 1 1 - J CS ME MOR AN DU M *

A pp ea l fr om the U ni t ed S t at es D i stri ctC ou rt f o rth e N o rth e rn D is tr ic t o f C a lif o rn ia J os e ph C . S pe r o, M a gi s tr a t e J udge , P r e s i di ng S ubm i tt e d M a r c h 16, 2012 ** S a n F r a n c is c o , C a lif

o rn ia B efo re: N O O N A N , M cK E O W N , an d M . S M IT H , C i rcu i tJu d g es. P lain ti ff -A p p ellan t S ylw es ter S lo jew sk i ap p ea ls fr o m th e d istrict co u rt’s s u m m a ry ju d g m e n t d is m is s a l o f h is la w s u it a lle g in g th a t P o la m F e d e r a l C r e d it U n io n ( P o la m ) r e f

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L e n d in g A c t ( T I L A ) , 1 5 U .S .C . § 1 6 0 1 , et se q . We r e v i e w de nov o a n appe a l of th e g r a n t o f

s u m m a ry ju d g m e n t. U ni v e rs al H e al th Se rvs . , I

nc . v . T hom ps on , 363 F . 3d 10 13 , 10 19 (9th C i r. 20 04 ). W e r evi ew for abu se of di sc re t i on the di stri ct c o u rt's e v id e n tia ry ru lin g s . W o n gv . R eg e n ts o

f U n iv . o f Ca lifo rn ia , 410 F . 3d 1052, 1060 ( 9th C i r . 2005) . S l oj e w s ki s oughtr e s t or a t i on of the t i t l e t o hi s hom e on the gr ounds tha tP ol a m c onduc t e d anon- j udi c i a l f or e c l os ur e s a l e a f

t e rhe r e s c i nde d the l o an u n d er T IL A . A s th e fact s an d p ro ced u ral h i st o ry are fam i l i ar t o th e p art i es, w e do notr e c i t e the m he r e e xc e pta s ne c e s s a ryt o e xpl a i n ourdi s pos i t i on. W e ha ve j u r i s d i c t i o n u n d e r2 8 U . S. C. § 1 2 9 1 , a n d w e a f f i rm. T he di s tr i c tc ourtc orr e c t l y di s m i s s e d S l oj e w s ki ’ s c l a i m s unde rT I L A on the gr ounds tha tS l oj e w s ki f a i l e d t o pr e s e nte vi de nc e s how i ng atr i abl e i s s ue of m a t e r i a l f

a c tr e ga r di ng ( 1) w he the rthe f i na nc i ng c ha r ge s t a t e d bythe C r e di tU ni on w a s pe rm i tt e d unde rT I L A a nd ( 2) w he the rS l oj e w s ki c oul d t e nde rthe pr oc e e ds of th e lo a n b a c kto th e C r e d it U n io n to w a rr a n t r e s c is s io n . Se e Y am am oto v . B ank

of N ew Y o rk , 32 9 F . 3d 11 67 , 11 73 (9th C i r. 20 03 ) ( expl ai ni ng thatthe courtm ay r e q u ir e ap la in tif

f to p r o v e a n ab ilityto te n d e rb e f o r e d e c id in g w h e th e rr e s c is s io n is w a rr a n te d o n a“c a s e - b y - c a s e b a s is , in lig h t o f th e r e c o r d a d d u c e d ” ) . F irst, th e d istrict co u rt d idn o t ab u se it s d iscr etio n in fin d in g th at S lo jew sk i’ s decl ar at i on subm i tt ed i n h i s r es po nse t o the C re di tU ni on ’ s m ot i on for s um m aryA l though the di s tr i c tc ourte rr e d i n e xc l udi ng e vi de nc e pr e s e nt e d on 1 s u m m a ry ju d g m e n t o n th e b a s is th a t it w a s in a d m is s ib le hear say, thi s e rr or w as h a rm le s s b e c au s e th e c o u rt c ite d m u ltip le a lte rn a tiv e g r o u n d s u p o n w h ic h to d is c o u n t th e p r o f

f e r e d e v id e n c e . Se e Fr a s e rv . G o o da le , 3 4 2 F .3 d 1 0 3 2 , 1 0 3 6 ( 9 th C i r . 2003) ( hol di ng tha te vi de nc e pr e s e nt e d on s um m a ryj udgm e ntne e d notbe adm i ss i bl e, bu ton l y c on t ai n evi dence thatcoul d b e pre se nt ed i n adm i ss i bl e f orm at tr ia l) . 3 j udgm e ntw a s a“ s ha m a f f i da vi t ” be c aus e i tc ontr a di c t e d hi s e a r l i e rde pos i t i on te s tim o n y ta k e n ju s t te n d a y s e a r lie r . Ke nne dyv . A l l i e d Mut. I ns . C o. , 952 F . 2d 2 6 2 , 2 6 6

– 6 7 ( 9 th Ci r . 1 9 9 1 ) ( h o l d i n g th a tac o u rtma yd i s c o u n ta“ s h a m” decl ar at i on that(1) “ fl at l y c on tra di ct s” earl i erdepo si t i on t es t i m on y, and (2) w as p r o v id e d f

o rth e s o le p u rp o s e o f

c r e a tin g ag e n u in e is s u e o f m a te r ia l f

a c t) . S l oj e w s ki m a de no a tt e m pti n hi s de c l a r a t i on t o e xpl a i n hi s pr i orde pos i t i on te s tim o n y , n o rd id h e c la im th a t h e w a s c o n f u s e d d u r in g h is d e p o s itio n . A c c o r d in g ly , th e d is tr ic t c o u rt d id n o t ab u s e its d is c r e tio n in d is c o u n tin g h is d e c la r a tio n a s a“s h a m ” d e c la r a tio n . S ec on d, w i th res pectt o h i s abi l i ty t o t ender back the proceeds of the l oan upon r e s c i s s i on, the di s tr i c tc ourtpr ope r l ydi s c ount e d S l oj e w s ki ’ s ow n de c l a r a t i on, as w el l as the decl ar at i on s of hi s m other and ni ec e, on the grou nd s thatthey w er e c onc l us ory , s pe c ul a t i ve , a nd l a c ke d f ounda t i on. Se e Y

a m a m o to , 329 F . 3d a t1171 1 ( hol di ng tha tw he n appl y i ng T I L A the di s tr i c tc ourtha s “ the di s c r e t i on t o c ondi t i on4

r e s c i s s i on on t e nde rby the borr ow e rof the pr ope rty ” ) ( i nt e rna l c i t a t i ons a nd q u o ta tio n s o m itte d ) . F u rth er , S lo

jew sk i’ s c laim fo r d am ag es h as n o t yet ac cru ed fo r P o lam ’s al l eged fai l ure t o h on or hi s r es ci ss i on . T he di stri ctcourtprop er l y f ou nd that S l oj e w s ki ha s no r i ghtt o r e s c i nd i n thi s c a s e . A c c or di ngl y , no da m a ge s m a yf l ow f r o m S lo je w s k i’s a lle g e d r ig h t to r e s c in d b e c au s e it d o e s n o t e x is t. Se e Y a m a m o to , 329 F . 3d a t1172 ( “ . . . the s e c ur i tyi nt e r e s t‘ be c om e s voi d’ onl yw he n the c ons um e r‘ r e s c i nds ’ the tr a ns a c t i on. I n ac ont e s t e d c a s e , thi s happe ns w he n the ri gh tt o res ci nd i s det erm i ned i n the bo rr ow er ’ s f avor. ”) . F or the re as on s s t at ed ab o v e , S lo

je w s k i’s c la im f

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r o m P o la m ’s r e f

u s a l to h o n o rh is resci ssi o n al so fai l s. F orthe f or e goi ng r e a s ons , the di s tr i c tc ourtpr ope r l ygr a nt e d P ol a m ’ s m ot i on f o rs u m m a ry ju d g m e n t. AF F I RME D.