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BALLARD v. BANK OF AMERICA, N.A.

No. 13-1418.

734 F.3d 308 (2013)

Kellie M. BALLARD, Plaintiff-Appellant, v. BANK OF AMERICA, N.A., Defendant-Appellee.

United States Court of Appeals, Fourth Circuit.

Decided: October 30, 2013.

Attorney(s) appearing for the Case

ARGUED: Roger Charles Simmons , Gordon & Simmons, LLC, Frederick, Maryland, for Appellant. E. John Steren , Ober, Kaler, Grimes & Shriver, PC, Washington, D.C., for Appellee. ON BRIEF: Jodi Lynn Foss , Gordon & Simmons, LLC, Frederick, Maryland, for Appellant. Amy E. Garber , Ober, Kaler, Grimes & Shriver, PC, Washington, D.C., for Appellee.

Affirmed by published opinion. Judge MOTZ wrote the opinion, in which Judge Thacker joined. Judge SHEDD wrote a separate opinion concurring in the judgment.

DIANA GRIBBON MOTZ, Circuit Judge:

Kellie Ballard appeals from the judgment of the district court dismissing her federal and state Equal Credit Opportunity Act ("ECOA") claims, and her claims for unjust enrichment and a declaratory judgment. We affirm.

I.

Kellie Ballard's husband, Michael Ballard, owns and operates FoodSwing, a food-packing company. In March 2008, he entered into an agreement with Bank of America ("the Bank") to obtain a loan for...

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