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 by9th 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 p p . P . 3 4 (a)(2 ). A cco rd i n g l y, ap p el l ees’ r e que s tf oror a l a r gum e nti s de ni e d.

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 C HA R L I E OR E A; B R E ND A O R E A, P l ai n t i ffs - A p p el l an t s, v. GR E E NP OI NT MOR T GA GE F UN DI NG , I N C .; e t a l., D e f

e n d a n ts - A p p e lle e s ., N o. 11- 55403 D. C. No . 2 : 1 0 - c v - 0 9 4 4 7 - PA- DTB 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 C e n tr a l D is tr ic t o f C a lif o rn ia P e r c yA nde r s on, D i s tr i c tJ udge , P r e s i di ng S ubm i tt e d M a y14, 2013 ** B efo re: L E A V Y , T H O M A S , an dM U R G U IA , C i rcu i tJu d g es. C ha r l i e and B r e ndaO r e aappe a l pr o s e f r om the di s tr i c tc ourt ’ s j udgm e nt di s m i s s i ng the i ra c t i on a r i s i ng outof f or e c l os ur e pr oc e e di ngs . W e ha ve 

# FI LED MA Y21 2 013 M OLLY C. DW Y ER, CLERK U . S. C O U R T OF APPE ALS11- 55403 2 ju r is d ic tio n u n d e r2 8 U .S .C . § 1 2 9 1 . W e r e v ie w d e n o v o d is m is s a ls f o rf a ilu r e to s ta te ac la im , C ervant es v. C ou ntry w i de H om e L oa ns, Inc. , 656 F . 3d 1034, 1040 ( 9 th C ir . 2 0 1 1 ) , a n d o n th e b a s is o f th e ap p lic ab le s ta tu te o f lim ita tio n s , H

uynh v. Chas e M anhat tan B ank , 46 5 F . 3d 99 2, 10 03 (9th C i r. 20 06 ). W e r evi ew for an abus e of di s c r e t i on the di s tr i c tc ourt ’ s de c i s i on w he the rt o appl ye qui t abl e t ol l i ng. I d. W e a f f i rm. T he di s tr i c tc ourtpr ope r l ydi s m i s s e d the O r e a s ’ H om e O w ne r s hi p a nd E qu i ty P rot ec t i on A ct(“ H O E P A ”) and R ea l E st at e S ett l em entP roce du re s A ct ( “R E S P A ” ) c la im s a s tim e - b a rr e db e c au s e th e O r e a s d idn o t f ile th e ira c tio n w ith in o n e y e a ro f

th e a lle g e d v io la tio n s . See 1 5 U .S .C . § 1 6 4 0 ( e ) ; Kin gv . Ca lifo rn ia , 78 4 F . 2d 91 0, 91 5 (9th C i r. 19 86 ) ( on e- ye arl i m i t at i on s per i od i n § 16 40 (e ) g e n e r a llyru n s f

r o m th e d a te o f

c o n s u m m a tio n o f

th e tr a n s a c tio n ) ; 1 2 U .S .C . § 26 14 (one-y ear s t atut e of l i m i t at i on s f or vi ol at i on s of § 12 U . S . C . § 2 60 7, w hi ch p r o h ib its k ic kb a c k s a n d u n e a rn e d f e e s ) . T h e d is tr ic t c o u rt d idn o t ab u s e its d is c r e tio n b yd e c lin in g to ap p lye q u itab le to llin g to th e O r e a s ’ H O E P A a n dR E S P A c la im s . See C ervant es , 656 F . 3d a t1045 (not i ng thatequi t abl e t ol l i ng appl i es “ i n si tuat i on s w here , despi t e a l l du e di l i gence, the pa rtyi nvoki ng e qui t abl e t ol l i ng i s unabl e t o obt a i n vi t a l i nf orm a t i on be a r i ng on th e e x is te n c e o f

th e c la im ” ( c ita tio n a n din te rn a l q u o ta tio n m a rk s o m itte d ) ) .11- 55403 3 T h e d is tr ic t c o u rt p r o p e r lyd is m is s e dth e O r e a s ’ T ru th in L e n d in g A c t c la im s e e k in g r e s c is s io n o f

th e lo a n b e c au s e th e O r e a s f a ile dto f ile th e ira c tio n w ith in th r e e y e a r s o f

th e c o n s u m m a tio n o f

th e lo a n . See 1 5 U .S .C . § 1 6 3 5 ( f ) ; B each v. O c w e n Fe d. B ank, 52 3 U . S . 41 0, 41 2 (19 98 ) ( “ § 1 63 5(f) com pl et el y e xt i ng ui shes the ri gh tof re sc i ss i on atthe end o f the 3-ye arperi od . ”) . T he di s tr i c tc ourtpr ope r l ydi s m i s s e d the O r e a s ’ R a c ke t e e rI nf l ue nc e d a nd C o rru p t O r g a n iz a tio n s A c t c la im b e c au s e th e O r e a s f a ile dto a lle g e th e r e q u is ite p a tte rn o f

r a c k e te e r in g a c tiv ityin v o lv in g m o r e th a n o n e tr a n s a c tio n . See Seve r v . A las ka P ul

p C or p. , 97 8 F . 2d 15 29 , 15 35 (9th C i r. 19 92 ) ( patt ern requi re s m ore tha n one s c he m e w i th a“ s i ngl e purpos e w hi c h happe n[ s ] t o i nvol ve m or e tha n one ac tt aken t o achi eve thatpu rpose” ). T he di stri ctcourtprop er l y di sm i ss ed the O re as ’ F ai r C re di tR eport i ng A ct ( “ F C R A ” ) c l a i m be c aus e the O r e a s f a i l e d t o a l l e ge tha tthe ypr ovi de d not i c e of the d is p u te to th e c r e d it r e p o rtin g a g e n c y . Se e N e l s on v . Chas e M

anhat tan Mor t

g. C or p. , 282 F . 3d 1057, 1060 ( 9th C i r . 2002) ( e xpl a i ni ng tha tthe F C R A r e qui r e s the c ons um e rt o “ f

i l t e r ” hi s orhe rc om pl a i ntabouti na c c ur a t e i nf orm a t i on thr ough a cr edi tre po rt i ng agency ). T h e d is tr ic t c o u rt d idn o t ab u s e its d is c r e tio n b yd e n y in g th e O r e a s le a v e to f ile a n a m e n d e d c o m p la in t. See C ervant es , 6 5 6 F .3 da t 1 0 4 1 ( “A lth o u g h le a v e to11- 55403 4 am end sho ul d b e gi ven free l y, a di stri ctcourtm aydi sm i ss w i tho utl eave w here a pl a i nt i f f’ s pr opos e d a m e ndm e nt s w oul d f a i l t o c ur e the pl e a di ng de f i c i e nc i e s a nd am endm entw ou l d b e f

ut i l e. ”) . T h e d i stri ctco u rtd i d n o tab u se i t s d i scret i o n i n d ecl i n i n g t o ex erci se s u p p le m e n ta l ju r is d ic tio n o v e rth e O r e a s ’ s ta te la w c la im s a f te rd is m is s in g th e ir f e d e r a l c la im s . See 2 8 U .S .C . § 1 3 6 7 ( c ) ( 3 ) ; T ri tchlerv. C ou nt

y of L ake , 358 F . 3d 11 50 , 11 53 (9th C i r. 20 04 ) ( se tt i ng forth the st andard of revi ew ). T he O r e a s ’ c ont e nt i on tha tthe di s tr i c tc ourtw a s bi a s e d i s unpe r s ua s i ve a nd nots upport e d bythe r e c or d. W e do n otconsi der m att er s notspec i fi ca l l y and di st i nct l y r ai se d and ar gu ed i n the ope ni ng br i e f

, ora r gum e nt s a nd a l l e ga t i ons r a i s e d f orthe f i r s tt i m e on ap p e a l. Se e P adge t t

v . W r i ght , 5 8 7 F .3 d9 8 3 , 9 8 5 n .2 ( 9 th C ir . 2 0 0 9 ) ( p e rc u r ia m ) . T h e O r e a s ’ o p p o s e d r e q u e s t f o rju d ic ia l n o tic e , f

ile do n J a n u a ry4 , 2 0 1 3 , is de ni e d. AF F I RME D.