No. 14-11636.

779 F.3d 1269 (2015)

Patricia L. CLEMENTS, Individually and on behalf of all others similarly situated, Plaintiff-Appellant, v. LSI TITLE AGENCY, INC., a division of Lender Processing Services, Inc., Law Offices of William E. Fair III, LLC, William Eve Fair III, et al., Defendants-Appellees.

United States Court of Appeals, Eleventh Circuit.

March 2, 2015.

Attorney(s) appearing for the Case

Simon H. Bloom , Stephanie Allyn Everett , Meredith H. Ragains , Lauren Hayter Reynolds , Bloom Sugarman Everett, LLP, Robert Clay Milling, II , Henry Spiegel LLP, Atlanta, GA, Peter Thomas Anderson , Sidney Schupak , Ashcraft & Gerel LLP, Alexandria, VA, Stephen J. Herman , Herman Herman Katz & Cotlar, New Orleans, LA, Frederick S. Longer , Levin, Fishbein, Sedran & Berman, Philadelphia, PA, for Plaintiff-Appellant.

Teresa Bonder , James Cash , Allison Stephens Thompson , Alston & Bird, LLP, Christopher Joseph Hoffman , Johannes S. Kingma , John Colquitt Rogers , Carlock Copeland & Stair, LLP, Atlanta, GA, for Defendants-Appellees.

Before WILLIAM PRYOR and JORDAN, Circuit Judges, and HAIKALA, District Judge.

This appeal requires us to decide three questions: (1) whether an allegation that a lender charged a borrower for unearned fees confers standing on the borrower; (2) whether a mortgage service provider performs only nominal services, 12 U.S.C. § 2607(b), when it procures a closing attorney; and (3) whether a mortgage...

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