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Tag Archives: Judge James R. Spencer

No TILA Claim Based on Mortgage Title Exam Charge (access required)

A Richmond U.S. District Court dismisses a homeowners’ suit asserting they validly rescinded a refinance mortgage credit transaction under the federal Truth in Lending Act, including its claim of a material under-disclosure of a finance charge based on the title ...

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Mortgage Lender’s Refi Encouragement Not Fraud (access required)

A Richmond U.S. District Court dismisses plaintiff homeowners’ suit to prevent foreclosure on two properties based on allegations that defendant Wells Fargo’s committed fraud by denying the owners multiple loan modifications, while continuing to solicit their applications for loan modifications. ...

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VFOIA’s ‘Citizens-Only’ Provision Is Constitutional (access required)

A Richmond U.S. District Court grants summary judgment to the Commonwealth of Virginia in a suit challenging the citizens-only provision of the Virginia Freedom of Information Act filed by a Rhode Island father seeking information from the Division of Child ...

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