Articles Posted in US Court of Appeals for the Fourth Circuit

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The Fourth Circuit affirmed the district court's grant of summary judgment for the bank in an action alleging violation of the Homeowners Protection Act. Plaintiffs alleged that the bank failed to make certain required disclosures in connection with their residential mortgage loans. The court held that the statute was clear that these mortgage insurance disclosures were mandated only if lender-paid mortgage insurance was a condition of obtaining a loan. In this case, because no such conditions applied to plaintiffs' loans, nondisclosure was not a violation of the Act. View "Dwoskin v. Bank of America, N.A." on Justia Law

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Plaintiffs filed suit against UTC and Honeywell under the Telephone Consumer Protection Act (TCPA), 47 U.S.C. 227, alleging that the companies were vicariously liable for illegal calls made by telemarketers promoting UTC and Honeywell products. The Fourth Circuit affirmed the district court's denial of the Federal Rule of Civil Procedure 56(d) motion because plaintiffs failed to show that they did not have an opportunity to discover specific evidence that was essential to their opposition to summary judgment. The court also affirmed the district court's grant of summary judgment because plaintiffs failed to proffer more than a scintilla of evidence to support the conclusion that UTC and Honeywell were vicariously liable for the telemarketers' alleged TCPA violations. View "Hodgin v. UTC Fire & Security Americas Corp." on Justia Law