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HIGGINS v. BAC HOME LOANS SERVICING, LP

Nos. 14-6167, 14-6168.

793 F.3d 688 (2015)

Larry HIGGINS, W. Glenn Perry, Juanita Buckhalter Clarke, Sheila H. Baker, Rhonda A. Day, David Nadeau, and Martha Megredy, Plaintiffs-Appellees, v. BAC HOME LOANS SERVICING, LP, Bank of America, N.A., JPMorgan Chase Bank, N.A., U.S. BANK, N.A., and Wells Fargo Bank, N.A. (14-6168); Federal National Mortgage Association and Federal Housing Finance Agency (14-6167), Defendants-Appellants.

United States Court of Appeals, Sixth Circuit.

Decided and Filed: July 16, 2015.

July 16, 2015.

Attorney(s) appearing for the Case

ARGUED: Michael A.F. Johnson , Arnold & Porter LLP, Washington, D.C., for Appellants in 14-6167. Thomas M. Hefferon , Goodwin Procter LLP, Washington, D.C., for Appellants in 14-6168. Carroll M. Redford, III , Miller, Griffin & Marks, P.S.C., Lexington, Kentucky, for Appellees. ON BRIEF: Michael A.F. Johnson , Howard N. Cayne , Asim Varma , Dirk C. Phillips , Arnold & Porter LLP, Washington, D.C., Jill L. Nicholson , Foley & Lardner LLP, Chicago, Illinois, for Appellants in 14-6167. Thomas M. Hefferon , Joseph F. Yenouskas , Goodwin Procter LLP, Washington, D.C., Richard A. Vance , Bethan A. Breetz , Stites & Harbison, PLLC, Louisville, Kentucky, Dustin E. Meek , Tachau Meek PLC, Louisville, Kentucky, Elizabeth Frohlich , Morgan Lewis & Bockius LLP, San Francisco, California, Allyson N. Ho , Morgan Lewis & Bockius LLP, Dallas, Texas, for Appellants in 14-6168. Carroll M. Redford, III , David T. Faugh , Elizabeth C. Woodford , Miller, Griffin & Marks, P.S.C., Lexington, Kentucky, J.D. Kermode , Atkinson, Sims & Kermode PLLS, Lexington, Kentucky, for Appellees.

Before: MERRITT, BOGGS, and ROGERS, Circuit Judges.

OPINION

Kentucky's recording statutes require that an assignment of a mortgage must be recorded within 30 days. Plaintiffs in this putative class action contend that, for purposes of the recording requirement, a transfer of a promissory note is an assignment of a mortgage securing the note, such that the transfer...

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