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 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 NA E E M AHMAD , P la in tif

f - A p p e lla n t, v. W O R L D S A V I N G S B A N K , F S B ; e t a l., D efen d an t s - A p p el l ees. N o. 10- 16497 D . C. N o . 2 : 0 9 - c v - 0 0 5 2 0 - G EBK JM 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 E a s te rn D is tr ic t o f C a lif o rn ia G a r l a nd E . B urr e l l , J r . , D i s tr i c tJudge , P r e s i di ng S ubm i tt e d J a nua ry17, 2012 ** B e f o r e : L E A V Y , T A L L M A N , a n dC A L L A H A N , C ir c u it Ju d g e s . N a e e m A hm a d appe a l s pr o s e f r om the di s tr i c tc ourt ’ s j udgm e ntdi s m i s s i ng h is a c tio n a lle g in g f

e d e r a l an ds ta te c la im s a r is in g o u t o f f o r e c lo s u r e p r o c e e d in g s . W e h av e ju risd icti o n u n d er2 8 U .S .C . § 1 2 9 1 . W e r ev iew d e n o v o a d istrict co u rt’s di s m i s s a l on the ba s i s of the appl i c abl e s t a tut e of l i m i t a t i ons , a nd f

ora n abus e of 

# FI LED JAN 26 2 012 M OLLY C. DW Y ER, CLERK U . S. C O U R T OF APPE ALS10- 16497 2 d is c r e tio n its d e c is io n w h e th e rto ap p lye q u itab le to llin g . H u yn h v. Ch a se M anhat tan B ank , 4 6 5 F. 3 d9 9 2 , 1 0 0 3 ( 9 th Ci r . 2 0 0 6 ) . W e a f f i rm. T he di stri ctcourtprop er l y di sm i ss ed A hm ad’ s T ruth i n L endi ng A ct ( “ T I L A ” ) c l a i m a s t i m e - ba rr e d be c aus e A hm a d di d notf i l e hi s a c t i on w i thi n one y e a ro f th e a lle g e dv io la tio n . See 1 5 U . S . C . § 1 6 4 0 (e) (an act i o n fo r d am ag es m u st b e b r o u g h t w ith in o n e y e a ro f th e a lle g e dv io la tio n ) ; Kin gv . Ca lifo rn ia , 784 F . 2d 91 0, 91 4-15 (9th C i r. 19 86 ) ( ho l di ng that“ the l i m i t at i on s per i od i n S ec t i on 16 40 (e ) runs f r om the da t e of

c ons um m a t i on of

the tr a ns a c t i on” a nd r e

j e c t i ng a“ c ont i nui ng v io la tio n ” th e o ry ) . 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 A h m a d ’s T I L A c la im . See C ervantes v. C ou ntry w i de H om e L oa ns, Inc. , 6 5 6 F .3 d1 0 3 4 , 1 0 4 5 ( 9 th C ir . 2 0 1 1 ) ( n o tin g th a t e q u itab le to llin g ap p lie s “in s itu a tio n s w h e r e , d e s p ite a ll du e d ilig e n c e , th e p a rtyin v o k in g e q u itab le to llin g is 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 the e xi s t e nc e of the c l a i m ” a nd r e je c tin g e q u itab le to llin g f o rS p a n is h - s p e a k in g p la in tif f s o n th e irT I L A c la im because they had “ no tal l eged ci rc um st ance s bey on d thei r c on trol thatprevent ed the m f r om s e e ki ng atr a ns l a t i on of the l oa n doc um e nt s ” w r i tt e n i n E ngl i s h ( c i t a t i on and i nt ernal qu ot at i on m arks om i tt ed)) . 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 le a v e to a m e n d .10- 16497 3 Se e i d. a t1041 ( s e tt i ng f orth s t a nda r d of

r e vi e w a nd not i ng tha tl e a ve t o a m e nd m aybe deni ed i f am endm entw ou l d b e f ut i l e) . A hm ad’ s r em ai ni ng cont ent i on s are un pers uasi ve. D e f e nda nt s ’ r e que s tf

orj udi c i a l not i c e i s gr a nt e d. AF F I RME D.