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f - A p p e llan t, v. W A S H I N G T O N M U T U A L , a W as h i n gt on c or p or at i on , D ef

endant- A pp el l ee . N o. 10- 17433 D. C . No . 2 : 0 9 - c v - 0 0 7 6 8 - KJ D- P AL ME MORA ND UM *

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o rn ia B ef ore: KOZ I NS KI , C h ie f Ju d g e , O ’S C A N N L A IN a nd G R A BER , C ir c u it Ju d g es. S att ar i m i st akenl y r ef

er ence d C al i forni a s t atut es rather than N evada s t atut es th r o u g h o u t h is c o m p la in t. B e c aus e S a tt ar i w a s apr o s e l i t i gantw he n he w r ot e the c o m p la in t, w e c o n s tru e it lib e r a llyto in f e rth a t h e m e an t to r e f

e r e n c e N e v a d alaw . 

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S ee E ri ck so n v . P ardu s, 5 5 1 U . S . 8 9 , 9 4 (2 0 0 7 ) (p er cu ri am ) (“ [A ] p ro se com pl ai nt , ho w everi nart ful l y pl ea ded, m ustbe hel d t o l es s s tri ng entst andards than f o rm a l p le a d in g s d r a f

te db ylaw y e r s .” ) ( in te rn a l q u o ta tio n m ark s o m itte d ) . S a tt a r i c l a i m s the ba nk e nga ge d i n unf a i rbus i ne s s pr a c t i c e s . U nde rthe N e va daD e c e pt i ve T r a de P r a c t i c e s A c t( N D T P A ) , “ [ a ] n a c t i on m aybe br oughtby a n yp e r s o n w h o is av ic tim o f c o n s u m e rf

r au d .” N e v . R e v . S ta t. § 4 1 .6 0 0 ( 1 ) . A cl ai m un der the N D T P A re qu i re s a“ vi ct i m of consum erfr aud t o p rove that(1) an ac tof consum erfr aud b y the defendant(2) c ause d (3) dam age t o the pl ai nt i ff . ” P ic u s v . W a l- M a rt S to r e s , I n c ., 2 5 6 F .R .D . 6 5 1 , 6 5 8 ( D . N e v . 2 0 0 9 ) ( o r d e r ) . C ons um e rf

r aud e nc om pa s s e s de c e pt i ve pr a c t i c e s , s uc h a s “ [ k] now i ngl ym a k[ i ng a ] . . . f a ls e r e p r e s e n ta tio n in atr an s a c tio n .” N e v . R e v . S ta t. § 5 9 8 .0 9 1 5 ( 1 5 ) . S a tt a r i doe s notr a i s e age nui ne i s s ue of m a t e r i a l f

a c ttha tw oul d s how tha tthe ba nk m a d e af a ls e r e p r e s e n ta tio n , s o th is c la im f a ils . S a tt a r i m e nt i ons w r ongf ul f or e c l os ur e a nd e m ot i ona l di s tr e s s i n hi s br i e f , but d o e s n ’t “s p e c if

ic a llya n dd is tin c tly ” a r g u e th e s e c la im s . M ille rv . F a ir c h ildI n du s ., I n c ., 7 9 7 F .2 d7 2 7 , 7 3 8 ( 9 th C ir . 1 9 8 6 ) ( “T h e C o u rt o f A p p e a ls w ill n o t o r d in ar ily c o n s id e rm a tte r s o n ap p e a l th a t ar e n o t s p e c if ic a llya n dd is tin c tlya r g u e din appe l l a nt ’ s ope ni ng br i e f . ” ) . W e r e qui r e abr i e f

t o c ont a i n “ appe l l ant ’ s c ont e nt i ons a nd the r e a s ons f

orthe m , w i th c i t a t i ons t o the author i t i e s a nd pa rt s of the r e c or d onpage 3

w hi ch the appel l antre l i es . ” F ed. R . A pp . P . 28 (a )( 9)(A ). S att ar i prov i des nei ther any argum entno r s up po rt i ng autho ri ty. T here fore , he has w ai ved any cl ai m s bas ed o n w r o n g f

u l f o r e c lo s u r e a n de m o tio n a l d is tr e s s . A FFI R M ED .