#### Bessie Lee-Freitas PREGANA; Brian Joseph Pregana, Sr., Plaintiffs-Appellants, v. CITIMORTGAGE INC.; et al., Defendants-Appellees.

No. 15-15906

United States Court of Appeals, .Ninth Circuit.

Submitted November 15, 2017 *

Filed November 17, 2017

Bessie Lee-Freitas Pregana, Waianae, HI, pro se.

Brian Joseph Pregana, Sr., Waianae, HI, pro se.

Cheryl Ann Nakamura, Esquire, Rush Moore, LLP, Steven T. Iwamura, Esquire, Clay Chapman Iwamura Pulice *&*Nervell, Honolulu, HI, for Defendants-Appellees.

Before: CANEY, TROTT, and GRABER, Circuit Judges.

*

 The panel unanimously concludes this case is suitable for decision without oral argument. *See*Fed. R. App. P. 34(a)(2).

MEMORANDUM **

Bessie Lee-Freitas Pregana and Brian Joseph Pregana, Sr„ appeal pro se from the district court’s summary judgment in their action alleging federal claims arising from the foreclosure of their home. We have jurisdiction under 28 U.S.C. § 1291. We review de novo. *Oskoui v. J.P. Morgan Chase Bank, N.A.,*851 F.3d 851, 853 (9th Cir. 2017). We affirm.

The district court properly granted summary judgment on the Preganas’ claims challenging defendant CitiMortgage, Inc.’s standing to foreclose and alleging fraud because the Preganas failed to raise a genuine dispute of material fact as to whether CitiMortgage, Inc. did not hold the note. *See*Haw. Rev. Stat. § 490:3-301 (holder of the instrument is entitled to enforce the instrument even if the person is not the owner of the instrument).

The district court properly granted summary judgment on the Preganas’ Fair Debt Collection Practices Act (“FDCPA”) claim because the Preganas failed to raise a genuine dispute of material facts as to whether defendants are considered debt collectors under the FDCPA. *See*15 U.S.C. § 1692a(6)(F)(iii) (excluding from the definition of debt collector a party seeking to collect any debt owed where the debt concerned was not in default at the time it was acquired); *Schlegel v. Wells Fargo Bank, N.A.,*720 F.3d 1204, 1208 (9th Cir. 2013) (plaintiff “must plead factual content that allows the court to draw the reasonable inference that [the defendant] is a debt collector” (citation internal quotation marks omitted)); *cf. De Dios v. Int’l Realty & Invs.,*641 F.3d 1071, 1074-75 *&*n.3 (9th Cir. 2011) (property manager responsible for collecting rent was not a debt collector under the FDCPA where that responsibility existed before rent was payable).

The district court properly granted summary judgment on the Preganas’ Truth in *625Lending Act (“TILA”) claim because the one-year statute of limitations had expired, and there was no basis for equitable tolling. *See*15 U.S.C. § 1640(e) (statute of limitations); *Cervantes v. Countrywide Home Loans, Inc.,*656 F.3d 1034, 1045-46 (9th Cir. 2011) (equitable tolling for TILA appropriate when party is “unable to obtain vital information bearing on the existence of the claim”).

The district court did not abuse its discretion in denying the Preganas’ request for sanctions because Citimortgage, Inc.’s attorney did not engage in conduct that demonstrated bad faith. *See Lahiri v. Universal Music & Video Distribution Corp.,*606 F.3d 1216, 1218-19 (9th Cir. 2010) (setting forth standard of review and noting that sanctions imposed under the district court’s inherent authority requires a bad faith finding).

The district court did not abuse its discretion in denying the Preganas’ request for a continuance under Fed. R. Civ. P. 56(d) because the Preganas failed to identify the specific facts that they hoped to elicit from further discovery, or to show that the facts they sought were essential to oppose summary judgment. *See Family Home & Fin. Ctr., Inc. v. Fed. Home Loan Mortg. Corp.,*525 F.3d 822, 827 (9th Cir. 2008) (requirements for a continuance on a motion for summary judgment); *Tatum v. City & County of San Francisco,*441 F.3d 1090, 1100 (9th Cir. 2006) (setting forth standard of review).

We do not consider matters not specifically and distinctly raised and argued in the opening brief. *See Padgett v. Wright,*587 F.3d 983, 985 n.2 (9th Cir. 2009).

The Preganas’ request for judicial notice, set forth in their opening brief, is denied.

AFFIRMED.

**

 This disposition is not appropriate for publication and is not precedent except as provided by Ninth Circuit Rule 36-3.