Opinion ID: 2743282
Heading Depth: 2
Heading Rank: 3

Heading: Real Estate Settlement Procedures Act

Text: Law claims that Ocwen failed to provide him with notice that it had acquired his loan from AAMES Funding Corporation. Under RESPA, a “transferee servicer to whom the servicing of any federally related mortgage loan is assigned, sold, or transferred shall notify the borrower of any such assignment, sale, or transfer.” 12 U.S.C. § 2605(c)(1). In order to recover for a violation, a borrower must show “actual damages to the borrower as a result of the [servicer’s] failure” to comply with RESPA. § 2605(f)(1). Law’s complaint, in addition to alleging a failure by Ocwen to give notice, alleges that Law sustained harm because “this is his homestead and he will lose all of the money previously invested in the property . . . .” Law does not, 6 Case: 14-20019 Document: 00512805760 Page: 7 Date Filed: 10/16/2014 No. 14-20019 however, allege facts demonstrating that these damages were the result of Ocwen’s failure to provide him with the required notice. He does not allege, for example, that as a result of Ocwen’s failure to provide notice, he mistakenly continued sending his payments to AAMES Funding Corporation rather than sending them to Ocwen, resulting in foreclosure by Ocwen. Indeed, this did not occur. Because Law alleged no facts upon which his injuries could be viewed as resulting from Ocwen’s failure to provide him with notice under RESPA, we conclude that the district court correctly dismissed his claim.