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KEIRAN v. HOME CAPITAL, INC.

Nos. 11-3878, 12-1053.

720 F.3d 721 (2013)

Alan G. KEIRAN and Mary Jane Keiran, Plaintiffs-Appellants, v. HOME CAPITAL, INC., a Georgia Corp.; BAC Home Loans Servicing, L.P.; Bank of New York Mellon, as Trustee for the Holders of CWABS, Inc., Asset-Backed Certificates, Series 2007-6; and John and Jane Does 1-10, Defendants-Appellees. Steven J. Sobieniak, an individual; Victoria McKinney, an individual Plaintiffs-Appellants, v. BAC Home Loans Servicing, LP, a Texas Limited Partnership, as successor in interest to Countrywide Home Loans Servicing, LP; Mortgage Electronic Registration Systems, Inc., a Delaware corporation; John and Jane Does 1-10 Defendants-Appellees. Consumer Financial Protection Bureau, Amicus on Behalf of Appellant. American Bankers Association; Consumer Bankers Association; Consumer Mortgage Coalition, Amici on Behalf of Appellee.

United States Court of Appeals, Eighth Circuit.

Filed: July 12, 2013.

Attorney(s) appearing for the Case

Jeramie Steinert , argued, Minneapolis, MN, Jeffrey R. Vesel , Stillwater, on the brief, for Plaintiffs-Appellants.

Aaron Daniel Van Oort , argued, Andre Hanson , Minneapolis, D. Charles Macdonald , Cliarles F. Weber , and Michelle E. Weinberg , all of Minneapolis, MN, Andrew B. Messite , New York, NY, on the brief, for Defendants-Appellees.

Rachel Rodman , argued, Washington DC, Lecnard J. Kennedy , To-Quyen Truong , David M. Gossett , Peter G. Wilson , Kristin Bateman , Jefrey P. Naimon , Kirk D. Jensen , and Mieiiael R. Williams , on the brief, for Amicus on Behalf of Appellant and Interested Party Consumer Financial Protection Bureau.

Before MURPHY, BEAM, and SHEPHERD, Circuit Judges.

BEAM, Circuit Judge.

These consolidated cases involve claims brought under the Truth in Lending Act (TILA), 15 U.S.C. §§ 1601 et seq., related to the plaintiffs' mortgage transactions. Stephen Sobieniak and Victoria McKinney (collectively "Sobieniaks") seek rescission and money damages from BAC Home Loans Servicing (BAC). Alan and Mary Jane Keiran seek the same relief from Bank of New York Mellon (BNYM). We affirm the district court.

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