Case Name: Farid GHALEHTAK; Shirin Tabatabai, Plaintiffs-Appellants, v. FNBN I, LLC, its successors and/or assigns, Defendant-Appellee
Court: United States Court of Appeals for the Ninth Circuit
Jurisdiction: United States
Decision Date: 2017-07-03
Citations: 692 F. App'x 931
Docket Number: No. 16-16742
Parties: Farid GHALEHTAK; Shirin Tabatabai, Plaintiffs-Appellants, v. FNBN I, LLC, its successors and/or assigns, Defendant-Appellee.
Judges: ' Before: PAEZ, BEA, and MURGUIA, Circuit'Judges.
Reporter: West's Federal Appendix
Volume: 692
Pages: 931–932

Head Matter:
Farid GHALEHTAK; Shirin Tabatabai, Plaintiffs-Appellants, v. FNBN I, LLC, its successors and/or assigns, Defendant-Appellee.
No. 16-16742
United States Court of Appeals, Ninth Circuit.
Submitted June 26, 2017
Filed July 3, 2017
Farid Ghalehtak, Pro Se
Shirin Tabatabai, Pro Se
Karen Ann Braje, Reed Smith LLP, San Francisco, CA, Kasey Curtis, Reed Smith LLP, Los Angeles, CA, for Defendant-Appellee
' Before: PAEZ, BEA, and MURGUIA, Circuit'Judges.
The panel unanimously concludes this case is suitable for decision without oral argument. See Fed. R. App. P. 34(a)(2).

Opinion:
MEMORANDUM
Farid Ghalehtak and Shirin Tabatabai appeal pro se from the district court's judgment dismissing their action alleging violations of the Truth in Lending Act ("TILA"). We have jurisdiction under 28 U.S.C. § 1291. We review de novo a district court's dismissal under Federal Rule of Civil Procedure 12(b)(6). Cervantes v. Countrywide Home Loans, Inc., 656 F.3d 1034, 1040 (9th Cir. 2011). We affirm.
The district court properly dismissed plaintiffs' TILA claim for rescission as time-barred because plaintiffs did not exercise their right of rescission within three years of when they consummated the loan transaction. See 15 U.S.C. § 1635(f); Beach v. Ocwen Fed. Bank, 523 U.S. 410, 412-13, 419, 118 S.Ct. 1408, 140 L.Ed.2d 566 (1998) (explaining that "§ 1635(f) completely extinguishes the right of rescission at the end of the 3-year period").
The district court properly dismissed plaintiffs' TILA claim for actual damages under 15 U.S.C. § 1641(g) because plaintiffs failed to allege facts sufficient to show that they detrimentally relied on appellee's failure to provide notice of the transfer of plaintiffs' loan to appellee. See 15 U.S.C. § 1641(g); In re Smith, 289 F.3d 1155, 1157 (9th Cir. 2002) (detrimental reliance is an element of a TILA claim for actual damages).
We do not consider matters not specifically and distinctly raised and argued in the opening brief, or arguments and allegations raised for the first time on appeal. See Padgett v. Wright, 587 F.3d 983, 985 n.2 (9th Cir. 2009).
Plaintiffs' motion for leave to file an amended opening brief (Docket Entry No. 16) is denied.
AFFIRMED.
This disposition is not appropriate for publication and is hot precedent except as provided by Ninth Circuit Rule 36-3.