Mary E. EDMONSON, Plaintiff-Appellant,
v.
EAGLE NATIONAL BANK; Eagle Nationwide Mortgage Company; Eagle National Bancorp, Incorporated; Essa Bancorp, Incorporated; Essa Bank & Trust, Defendants-Appellees.
Renita James, Plaintiff-Appellant,
v.
Acre Mortgage & Financial, Inc., Defendant-Appellee.
D'Alan E. Baugh; Penny Frazier, Plaintiffs-Appellants,
v.
The Federal Savings Bank, Defendant-Appellee.
Tracie Parker Dobbins; Gladys Parker, Plaintiffs-Appellants,
v.
Bank of America, N.A., Defendant-Appellee.
Jill Bezek; Michelle Harris Plaintiffs-Appellants,
v.
First Mariner Bank Defendant-Appellee.
United States Court of Appeals, Fourth Circuit.https://leagle.com/images/logo.png
Argued: December 11, 2018.
Decided: April 26, 2019.
Attorney(s) appearing for the Case
ARGUED: William James Murphy , ZUCKERMAN SPAEDER LLP, Baltimore, Maryland, for Appellants. Ryan Thomas Becker , FOX ROTHSCHILD LLP, Philadelphia, Pennsylvania, for Appellees. Brian David Schmalzbach , McGUIREWOODS LLP, Richmond, Virginia, for Appellee Bank of America National Association. ON BRIEF: Cyril V. Smith , Adam B. Abelson , ZUCKERMAN SPAEDER LLP, Baltimore, Maryland; Michael Paul Smith , SMITH, GILDEA & SCHMIDT, LLC, Towson, Maryland; Timothy F. Maloney , JOSEPH, GREENWALD & LAAKE, P.A., Greenbelt, Maryland, for Appellants. George J. Krueger , FOX ROTHSCHILD LLP, Philadelphia, Pennsylvania; Brian Moffet , MILES & STOCKBRIDGE P.C., Baltimore, Maryland, for Appellees Eagle Nation Bank, Eagle Nationwide Mortgage Company, Eagle National Bancorp, Incorporated, Essa Bancorp, Incorporated, and Essa Bank & Trust. Bradley R. Kutrow , McGUIRE WOODS LLP, Charlotte, North Carolina, for Appellee Bank of America National Association. Ari Karen , OFFIT KURMAN, PA, Baltimore, Maryland, for Appellees Acre Mortgage & Financial, Inc, and The Federal Savings Bank. Michael E. Blumenfeld , NELSON MULLINS RILEY & SCARBOROUGH LLP, Baltimore, Maryland, for Appellee First Mariner Bank.
Reversed and remanded by published opinion. Judge Wynn wrote the opinion, in which Judge Keenan and Judge Harris joined.
WYNN, Circuit Judge:
Each of the five Plaintiffs in this matter brought a putative class action alleging that between 2009 and 2014 certain lenders participated in "kickback schemes" prohibited by the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. § 2601 et seq. But the district court dismissed their claims because the first...
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