N O T FO R PUB L ICAT IO N UNITED STATES C OUR T OF APPEALS FOR THE NINTH C IR C U IT
B ER NARD M ITC H ELL, Pla i ntiff-Appe lla

nt,
v. DEUTSC HE B ANK NATIONAL TR UST C OM PANY, Truste e of the Asse t Se c uritiz ation Trust 2007-A8 M ortga ge Pa ss through C e rtific ation se rie s 2007-11 Unde r Pooling a

n d Se rvic ing Agre e m e nt Date d June 1, 2007, its Assigns a nd or Suc c e ssors of Inte re st,

De fe nda nt-Appe l le e . No. 16-15099 D.C . No. 4:15-c v-05006-JSW

M EM O R ANDUM *

Appe a l from

the Unite d

Stat e s Distric t C ourt for the Northe rn Distric t of C a lifornia J e ffre y White , Distric t Judge , Pre siding Subm itte d Fe brua

ry 15, 2018 ** Pa sa de n a , C a l ifornia B e fore : THOM AS, C hie f Judge , a nd REINHAR

D T and FISHER , C irc uit Judge s.



# FIL ED MAR 02 2018 M OLLY C. DW Y ER, CLERK U
. S. CO URT O F APPEALS

* This disposition is not a

ppropria te for public ation a

nd is not pre c e de nt e xc e pt a s provide d

by Ninth C irc uit R

ule 36-3.

** T he pa ne l una nim ously c onc lude s this c a se is suita ble for de c ision without ora l argum e nt. S

e e Fe d. R . App. P. 34(a)(2).B e rnard M itc he ll a ppe a ls the distric t

c o urt’ s judgm e nt dismissing his c la im s for viola tions of theTruth in Le nding Ac t (TILA), 15 U.S.C . § 1601 e t se q. , a nd C a lifornia ’ s Unfa ir C o m

pe tition La

w (UC L), C a l. B us. & Prof. C ode § 17200, a nd for c a nc e lla tion of instrume nt a

nd a de c la ratory judgm e nt. The distric t c ourt he ld M itc he ll’ s TILA c la im s we re pre c lude d by a pre vious unla

w ful de t a ine r a c tion a

nd, in the a lte rnat ive , ba

rre d by the a pplic a b le sta tute s of limi tation. W e do not re a c h the p re c lusion issue

be c a use M itc he ll’ s TILA a

nd C a lifornia

sta t e la w c la im s a

re untim e l y . W e re vie w de novo a dism issa l on sta

tute of lim ita

tions grounds, se e J ohnson v . Luc e nt Te c hs. Inc
. , 653 F.3d 1000, 1005 (9th C ir. 2011), a nd we a ffirm
. 1. The distric t c ourt prope rly dism isse d M i tc he ll’ s TILA re s c ission c la im , 15 U.S.C . § 1635(f), be c a use it is time -barre d . TILA doe s not provide an e xpre ss sta tute of lim ita

tions a pplic a ble to re sc ission c la im s for e q u ita ble re lie f, se e J e sinosk i v
. C ountryw ideHomeLoans, Inc
. , 135 S. C t. 790, 792 (2015), so we

“ borrow the sta

tute of lim i tations a

pplic a ble to the m ost a

na logous sta

te -law c la i m , so long a s it is not inc onsiste nt with fe de ra l la w or polic y

to do so,” Shark

e y v . O’N e a l , 778 F.3d 767, 770 (9th C ir. 2015) (inte rna l quota tion m arks om i tte d). He re , the m ost a

ppropria te sta t e -law a na logs a re for re sc ission of c ontra c t or
c anc e lla tion of instrume nt, e a c h a c c om pa nie d by a four-y e a r lim i tations pe riod. Se e Pe te rson v . Highland Music , Inc
. , 140 F.3d 1313, 1320 (9th C i r. 1998) (four2y e ar lim ita

tions pe riod for c o ntra c t re s c ission); Robe rtson v . Supe rior C ourt , 90 C a l. App. 4th 1319, 1326 (2001) (four-y e ar lim ita tions pe riod for c a

n c e l lation of instrum e nt). As M itc he ll doe s not sugge st a ny a l te rnative sta

tute of lim ita

tions, we
a ssum e for purpose s of our a na ly sis tha

t a four-y e ar lim i tations pe riod a pplie s. M itc he ll’ s re sc ission c l a im a c c rue d in M ay 2007. Se e K

ing v . C alifornia , 784 F.2d 910, 913 (9th C ir. 1986). Applying the four-y e ar lim ita tions pe riod, his
c la im wa s tim e -barre d a fte r M ay 2011. Ne ve rthe le s s, M itc he ll a rgue s he is e ntitle d to tolling be c a

use by the tim e he ha d inform ation suffic ie nt to bring his re sc ission
c la im , it wa s tim e -ba

rre d by the thre e -y e ar lim ita

tions pe riod the n in e ffe c t for TILA re sc ission c la im s . Se e Migue l v . C ountry Funding C

orp. , 309 F.3d 1161, 1164 (9th C ir. 2002). This is not so. Eve

n if we c re dit M itc he ll’ s be l ie f that a thre e -y e ar lim ita tions pe riod a

pplie d to his re sc ission c la im , he ha d inform ation suffic ie nt to bring his c la im

within tha

t thre e -y e ar pe riod. M itc he ll would ha ve ha d until the
e nd of M ay

2010 to time ly

file , a nd his ple a dings re fle c t he disc ove re d six m onths
e arlie r, in De c e m

be r 2009, tha

t the re le va

nt loa n ha d not be e n re sc inde d. Still, giving M itc he l l the be ne fit of tolling until Dec e m b e r 2009, whe n he kne w the
re le va nt fa c ts to bring suit, a

nd running the now-a

pplic a ble four-y e a

r lim i tations

3pe riod from

tha t da te , M itc h e ll ha d until De c e m be r 2013 to bring his re sc ission
c la im and did not. His August 2015 re sc ission c la im is the re fore tim e -barre d. 2. Like w ise , M itc he ll’ s TILA notic e c la im , 15 U.S.C
. § 1641(g), a c c rue d be twe e n August a

nd Se p te m

be r 2010 a

nd the one -y e ar lim ita

tions pe riod la

pse d in August or Septe m

be r of 2011. M itc he ll offe rs no pe rsua sive re a son to toll the lim ita tions pe riod. The c l a im

is untim e ly
. 3. Although the distric t c ourt did not e xplic itly a ddre ss M itc he ll’ s c la im s unde r the UC L a

nd for c anc e lla

tion of instrume nt, the se c la im s a re a lso tim e ba rre d, a nd M itc he l l provide s no a rgum e nt for tolling. Se e Be av e r v . Tarsadia Hote ls , 816 F.3d 1170, 1178 (9th C ir. 2016) (four y e ars unde r UC L ); Robe rtson , 90 C a l. App. 4th a

t 1326 (four y e ars for c anc e lla tion of instrume nt). 4. M itc he ll’ s re m a ining c la im for de c l aratory

re lie f unde r C a lifornia

la w is dism isse d be c a

use “ a ll re lie f is ba

rre d by the sta

t ute [s] of lim ita

tions.” Be nne tt v
. Hibe rnia Bank

, 305 P.2d 20, 26-27 (C a l. 1956); se e also Me y e r v . Spring Spe c trum L.P. , 200 P.3d 295, 304 (C a l. 2009). AFFIRM E D.
* **

4De utsc he B ank’ s m otion for judic i a l notic e , file d Se pte m be r 14, 2016 (Dkt. 25), is DE NIE D . M itc he l l’ s m otion for judic ia l notic e , file d Fe brua ry 12, 2018 (Dkt. 58), is DE N IE D
.

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