Court Opinion

ID: 4460466
Source: CourtListenerOpinion
Date Created: 2019-12-02 21:00:32.843263+00
Date Added: 2024-06-11T13:33:38.057257
License: Public Domain

NOT FOR PUBLICATION                           FILED
                    UNITED STATES COURT OF APPEALS                        DEC 2 2019
                                                                      MOLLY C. DWYER, CLERK
                                                                       U.S. COURT OF APPEALS
                           FOR THE NINTH CIRCUIT

HOCK HUAT YAP,                                  No. 19-15210

                Plaintiff-Appellant,            D.C. No. 4:17-cv-00229-RM

 v.
                                                MEMORANDUM*
DEUTSCHE BANK NATIONAL TRUST
COMPANY, trustee of J.P. Morgan
Acquisition Trust 2001-HE1, Asset Backed
Pass - Through Certificates, Series 2007-
HE1; et al.,

                Defendants-Appellees.

                   Appeal from the United States District Court
                            for the District of Arizona
                   Rosemary Márquez, District Judge, Presiding

                          Submitted November 18, 2019**

Before:      CANBY, TASHIMA, and CHRISTEN, Circuit Judges.

      Hock Huat Yap appeals pro se from the district court’s summary judgment

and dismissal orders in his action alleging federal and state law claims arising from

      *
             This disposition is not appropriate for publication and is not precedent
except as provided by Ninth Circuit Rule 36-3.
      **
             The panel unanimously concludes this case is suitable for decision
without oral argument. Accordingly, we deny appellant’s request for oral
argument. See Fed. R. App. P. 34(a)(2).
foreclosure proceedings. We have jurisdiction under 28 U.S.C. § 1291. We

review de novo. Bravo v. City of Santa Maria, 665 F.3d 1076, 1083 (9th Cir.

2011) (summary judgment); Marder v. Lopez, 450 F.3d 445, 448 (9th Cir. 2006)

(dismissal for failure to state a claim under Federal Rule of Civil Procedure

12(b)(6)). We affirm.

      The district court properly granted summary judgment on Yap’s claim

alleging a violation of the Real Estate Settlement Procedures Act (“RESPA”) under

12 U.S.C. § 2605(k)(1)(D) because Yap failed to raise a genuine dispute of

material fact as to whether he suffered actual damages from the defendants’

allegedly inadequate responses to his request for information under § 2605. See 12

U.S.C. § 2605(k)(1)(D) (requiring servicers of federally related mortgages to

respond within ten business days to a request from a borrower to provide contact

information for the owner or assignee of the loan); § 2605(f)(1)(A) (limiting

recovery to “actual damages” for noncompliance with the requirements of § 2605).

      The district court properly dismissed Yap’s claims under RESPA regulations

and the Truth In Lending Act, and Yap’s claim alleging a break in the chain of

title, because Yap failed to allege facts sufficient to state a plausible claim for

relief. See 15 U.S.C. § 1641(f)(2) (providing that upon written request by the

borrower, the servicer must provide the borrower “with the name, address, and

telephone number of the owner of the obligation or the master servicer”); 12

                                            2                                     19-15210
C.F.R. § 1024.35 (discussing servicing error resolution procedures under RESPA);

Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (to avoid dismissal, “a complaint must

contain sufficient factual matter, accepted as true, to state a claim to relief that is

plausible on its face” (citation omitted)).

      The district court did not abuse its discretion in denying Yap leave to amend

to allege a claim under the Arizona Revised Statutes § 33-420 because amendment

would have been futile. See Leadsinger, Inc. v. BMG Music Publ’g, 512 F.3d 522,

532 (9th Cir. 2008) (setting forth standard of review and explaining that the district

court may deny leave to amend if amendment would be futile); see also Ariz. Rev.

Stat. § 33-420(A) (prohibiting false recordation of an “interest in, or a lien or

encumbrance against, real property”); Sitton v. Deutsche Bank Nat. Tr. Co., 311

P.3d 237, 241 (Ariz. Ct. App. 2013) (explaining that an assignment of the deed of

trust is covered by Ariz. Rev. Stat. § 33-420(A), and claims under Ariz. Rev. Stat.

§ 33-420(A) are governed by the general four-year statute of limitations).

      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).

      All requests set forth in the opening brief are denied.

                                              3                                   19-15210
      Yap’s motion to file a substitute or corrected reply brief (Docket Entry No.

42) is denied.

      AFFIRMED.

                                         4                                   19-15210