Case Summaries

Banking Law

[03/09] Martinez v. Wells Fargo Home Mortgage, Inc.
In an action under Section 8(b) of the Real Estate Settlement Procedures Act (RESPA), and California's Unfair Competition Law (UCL), claiming that a mortgage lender charged plaintiffs an illegal underwriting fee, dismissal of the complaint is affirmed where: 1) the clear and unambiguous language of RESPA Section 8(b) did not reach the practice of "overcharging"; and 2) the UCL claims alleging "unfair" and "fraudulent" conduct were preempted by the National Bank Act, and the allegations of "illegal" conduct failed to state a claim.

[03/02] Ma v. Merrill Lynch, Pierce, Fenner & Smith, Inc.
In an action against Merrill Lynch based on unauthorized transfers from plaintiff's investment account, summary judgment for defendant is affirmed where New York U.C.C. Section 4-A-505, which imposes a one-year statute of repose on certain claims based on electronic funds transfers, bars plaintiffs' common law claims, which had longer limitations periods.

[02/26] Williams v. Fleming
In plaintiff's suit against a bank, the US, and and an FDIC associate examiner, claiming that the associate examiner's racially motivated bias against plaintiff and other African-Americans was the reason he stopped receiving loans from the bank, dismissal of all claims including the Bivens suit against the associate examiner is affirmed where, because the dismissal of plaintiff's suit against the US was on the merits, and not for lack of subject matter jurisdiction, his remaining Bivens suit was properly barred by section 2676 of the FTCA.

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Landlord Tenant

[03/03] Fed. Ins. Co. v. Commerce Ins. Co.
In plaintiff-insurance company's subrogation claim, district court's grant of summary judgment in favor of defendants in concluding that the implied coinsured doctrine controlled the outcome in this case and precluded the plaintiff from pursuing a subrogation claim is affirmed as plaintiff has not met its burden of proving that the "Responsibility for Damages" provision of a Residence and Care Agreement (RCA) overcomes the presumption that the landlord's insurance is held for the mutual benefit of both parties.

[02/09] Chacon v. Litke
In a wrongful eviction action, judgment in favor of plaintiffs-tenants concluding that defendants violated the San Francisco Rent Stabilization and Arbitration Ordinance is affirmed where: 1) defendants' interpretation of the Ordinance as conditioning a tenant's right to reoccupy the unit upon compliance with a 60-day notice is rejected; 2) substantial evidence supports the trial court's finding that the stipulation gave defendants temporary possession of the apartment for up to three months to make repairs and the plaintiffs retained their rights under the Ordinance to reoccupy the premises; 3) the litigation privilege did not apply to defendant's conduct in refusing to allow the plaintiffs to reoccupy the apartment; 4) trial court did not err in granting judgment on the pleadings on the affirmative defenses; and 5) trial court did not abuse its discretion in awarding plaintiffs' attorney's fees.

[02/01] Woodlands Park Mgmt., LLC. v. City of E. Palo Alto Rent Stabilization Bd.
Trial court's holding that the Rent Stabilization and Eviction for Good Cause Ordinance (RSO), adopted by the citizens of the City of East Palo Alto, permitted recovery of attorney fees by a landlord in successful litigation against the city is reversed as the intent of the electorate was that section 15.A.5 of the RSO authorize the recovery of attorney fees only in civil proceedings between landlords and tenants to enforce their respective rights under the RSO, and no other provision of the RSO provides for an award of fees against the city.

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