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.