Stepp v. U.S. Bank N.A.

The plaintiff alleges that U.S. Bank failed to comply with regulations applicable to her home loan, specifically those requiring the bank to offer, attempt, or conduct a face-to-face meeting with her before foreclosing on her property. However, the bank had no branch office within 200 miles of the plaintiff’s home and so was exempt from the face-to-face meeting requirement.

Under a definition of a branch office that requires an office engaging in some type of mortgage-related business, it is clear that U.S. Bank’s Richmond branch does not qualify. That office is a separate office, not open to the public, and does not perform mortgage-related functions.

Motion to dismiss granted.

Stepp v. U.S. Bank N.A., No. 5:18cv52, Dec. 18, 2018. WDVA at Harrisonburg (Dillon).

Categories: U.S. District Court - Western District of Virginia

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