Kofi Obeng-Amponsah v. Chase Home Finance

MEMORANDUM

Kofi Obeng-Amponsah (“Obeng”) appeals the district court’s dismissal of his Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Home Ownership and Equity Protection Act (HOEPA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Racketeer Influenced and Corrupt Organizations Act (RICO) claims, as well as his various state law claims. We have jurisdiction under 28 U.S.C. § 1291 and we affirm.

1. The district court properly found that Obeng’s RESPA claim, alleging that Defendants improperly accepted a kickback or bribe, was barred by the applicable one-year statute of limitations. See 12 U.S.C. § 2614 . The alleged kickback occurred vis-a-vis the December 24, 2004 contracts, and Obeng did not file his complaint until January 2009. Obeng’s other RESPA claim, asserting that Defendants failed to respond to his qualified written requests, also fails as Obeng’s allegations do not connect the alleged failure to respond to his qualified written requests with any actual damages. See 12 U.S.C. § 2605 (f)(1).

2. Likewise, the district court properly found that Obeng’s HOEPA and TILA disclosure claims were barred by the…