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. 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 J AI M E M EDRANO a n dM ARI BE L M E D R A N O , hu sband and w i fe , P l ai n t i ffs - A p p el l an t s, v. F L A G S T A R B A N K , F S B , a F eder al S a v i n g s B an k ; E XO DU S F I NA NC I AL C O R P O R A T I O N , aN e va dac orpor a t i on f o rm e r l yk n o wn a s Do e 1 ; J AN E F OWL E R KE L L E HE R , f o rm e r l yk n o wn a s Do e 2 ; ST RATHAM M ON TE CI TO W E S T , aC a l i f

orni ac orpor a t i on; S T R AT E GI C S AL E S AN D M A R K E T I N G G R O U P , aC a lif o rn ia c o rp o r a t i o n ; J AN I S KI M R AN DA Z Z O, i ndi vi dua l l ya nd r e s pons i bl e m ana gi ng of f i c e rof S tr a t e gi c S a l e s a nd M a rke t i ng Gr o up ; F E RNA ND O C OR DE R O, i ndi vi dua l l ya nd r e s pons i bl e m ana gi ng of f i c e rof E xodus F i nanc i a l C orpor a t i on; DO R A S E NA I DA C OR DE R O, D efen d an t s - A p p el l ees, and P R OT OF UN D MOR T GA GE C O R P O R A T I O N , aC a lif o rn ia N o. 11- 55412

D. C. No . 2 : 1 0 - c v - 0 7 2 8 5 - J HN - PL A ME MOR AN DU M * 

# FI LED DE C 11 2012 M OLLY C. DW Y ER, CLERK U . S. C O U R T OF APPE ALSP l ai n t i ffs al so ch al l en g e th e d i stri ctco u rt ’ s d i sm i ssalo f th ei r cl ai m ag ai n st 1 D e f e ndantF l a gs t arunde r12 U . S . C . § 2605. W e a ddr e s s tha tc l a i m i n an opi ni on fi l ed on thi s dat e. 2 c orpor a t i on, D e f

e n d an t. 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 J a c que l i ne H . N guy e n, D i s tr i c tJudge , P r e s i di ng A r gue d and S ubm i tt e d N ove m be r6, 2012

P a s a d e n a , C a lif

o rn ia B efo re: G R A B E R , IK U T A , an dH U R W IT Z , C i rcu i tJu d g es. P l ai nt i ff s J ai m e and M ar i bel M edrano appealthe di stri ctcourt ’ s order s di sm i ss i ng thei r c l ai m s a gai nstD ef endant s F l agst arB ank, F S B ; E xo du s F i nanci al C orpor a t i on; J ane F ow l e rK e l l e he r ; S tr a tha m M ont e c i t o W e s t ; S tr a t e gi c S a l e s and M a rke t i ng G r oup; J ani s K i m R anda z z o; F e rnando C or de r o; a nd D or aS e na i da C ordero. O n app ea l , P l ai nt i ff s c hal l enge the di sm i ss alof thei r f eder alcl ai m un der 12 U . S . C . § 2 60 7 and thei r s t at e- l aw cl ai m for r ef orm at i on and d ec l ar at ory r el i ef r e gar di ng M ar i be l ’ s a l l e ge d c om m uni ty - pr ope rtyi nt e r e s t . R e vi e w i ng de novo, 1 C o l o n yC o v e P r o p s . , L L C v . C i tyo f C ar s o n , 6 4 0 F . 3 d9 4 8 , 9 5 5 ( 9 th C i r . 2 0 1 1 ) , we a f f i rm.3

1 . T h e d i stri ctco u rtco rrect l y d i sm i ssedP l ai n t i ffs’ § 2 6 0 7 cl ai m b ecau se th e r e is n o a lle g a tio n th a t an yd e f e n d an t r e c e iv e dk ic kb a c k s o ru n e arn e df e e s . N o n - d is c lo s u r e o f

th e a s s ig n m e n t o f

a n in te r e s t in ap r o m is s o ryn o te is n o t a ki c kba c k orune arne d f

e e , a nd the a s s e rt e d s e c t i on of the R e a l E s t a t e S e tt l e m e nt P r o c e du r e s A c t d o e s n o t p r o v id e ar e m e d yf o rn o n - d is c lo s u r e . 1 2 U .S .C . § 2607( a ) –( c ) . B e c aus e P l a i nt i f f s ’ c l a i m f

a i l s on the m e r i t s , w e ne e d notr e a c h the q u est i o n o f i t s t i m el i n ess. 2. T he di stri ctcourtprop er l y di sm i ss ed the st at e- l aw cl ai m thatM ar i bel he l d ac om m uni ty - pr ope rtyi nt e r e s ti n the r e s i de nc e . A l l r e l e vantdoc um e nt s s how th a t J a im e o w n e dth e h o u s e a s s e p ar a te p r o p e rty . I n th e ab s e n c e o f ap lau s ib le a lle g a tio n th a t M ar ib e l d idn o t a c q u ie s c e in th is r e s u lt, th o s e d o c u m e n ts c o n tr o l. S e e L uc a s v. L uc a s ( I n r e M arr i a ge of L uc a s ) , 614 P . 2d 285, 288 ( C a l . 1980) ( " [ T ]h e a f

f irm a tiv e a c t o f

s p e c if y in g af o rm o f o w n e r s h ip in th e c o n v e y an c e o f title

. . . rem o v es su ch p ro p erty fro m th e m o re g en eral [co m m u n i ty p ro p erty] pr e s um pt i on. " ) ; B r ooks v. R obi ns on ( I n r e M arr i a ge of B r ooks ) , 86 C a l . Rptr . 3d 6 2 4 , 6 3 1 ( C t. A p p . 2 0 0 8 ) ( " [ T ]h e d e s c r ip tio n in ad e e da s to h o w title is h e ldis pres um ed t o ref

l ec tthe ac tual ow ners hi p i nt er es t s i n the prop erty. ") . AF F I RME D.