PATRICIA L. CLEMENTS, Individually and on behalf of all others similarly situated, Plaintiff-Appellant,
LSI TITLE AGENCY, INC., a division of Lender Processing Services, Inc., LAW OFFICES OF WILLIAM E. FAIR III, LLC, WILLIAM EVE FAIR III, ET AL., Defendants-Appellees
Appeal from the United States District Court for the Northern District of Georgia. D.C. Docket No. 1:13-cv-01468-RWS.
For PATRICIA L. CLEMENTS, Individually and on behalf of all others similarly situated, Plaintiff - Appellant: Simon H. Bloom, Stephanie Allyn Everett, Meredith H. Ragains, Lauren Hayter Reynolds, Bloom Sugarman Everett, LLP, Atlanta, GA; Sidney Schupak, Peter Thomas Anderson, Ashcraft & Gerel LLP - VA, Alexandria, VA; Stephen J. Herman, Herman Herman Katz & Cotlar, New Orleans, LA; Frederick S. Longer, Levin Fishbein Sedran & Berman, Philadelphia, PA; Robert Clay Milling II, Henry Spiegel Milling, LLP, Atlanta, GA.
For Lsi a division of Lender Processing Services, Inc., Lender Processing Services, Inc., Defendants - Appellees: Teresa Bonder, James Cash, Allison Stephens Thompson, Alston & Bird, LLP, Atlanta, GA.
For Law Office of William E. Fair, Iii, L.L.C., Defendant - Appellee: Christopher Joseph Hoffman, Johannes S. Kingma, John Colquitt Rogers, Carlock Copeland & Stair, LLP, Atlanta, GA.
For WILLIAM EVE FAIR, III, individually, Defendant - Appellee: Johannes S. Kingma, Christopher Joseph Hoffman, John Colquitt Rogers, Tyler Wetzel, Carlock Copeland & Stair, LLP, Atlanta, GA.
For Lsi Title Agency, Inc., Defendant - Appellee: Teresa Bonder, Alston & Bird, LLP, Atlanta, GA.
Before WILLIAM PRYOR and JORDAN, Circuit Judges, and HAIKALA,[*] District Judge.
WILLIAM PRYOR, Circuit Judge:
This appeal requires us to decide three questions: (1) whether an allegation that a lender charged a borrower for unearned fees confers standing on the borrower; (2) whether a mortgage service provider performs only nominal services, 12 U.S.C. § 2607(b), when it procures a closing attorney; and (3) whether a mortgage service provider " give[s or] . . . accept[s] any portion, split, or percentage of any [settlement] charge" when it marks up the price of a third-party service, id. After Patricia L. Clements refinanced a mortgage, she sued LSI Title Agency, Inc., the mortgage service provider that facilitated the refinancing;
the Law Offices of William E. Fair III, LLC, which LSI hired to witness the mortgage closing; and William Eve Fair III, an attorney. Clements alleged two violations of the Real Estate Settlement Procedures Act, id. § § 2601-2617, and three violations of Georgia law. The district court dismissed the amended complaint for lack of standing. Fed.R.Civ.P. 12(b)(1). Although we conclude that Clements has standing to sue, we affirm in part the dismissal of her federal claims for failure to state a claim upon which relief can be granted, Fed.R.Civ.P. 12(b)(6), ...