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MORGAN v. CALIBER HOME LOANS, INC.

No. 20-1745.

26 F.4th 643 (2022)

Rogers MORGAN; Patrice L. Johnson, On behalf of themselves individually and on behalf of a Class and Subclass of similarly situated persons, Plaintiffs-Appellants, v. CALIBER HOME LOANS, INC., Defendant-Appellee.

United States Court of Appeals, Fourth Circuit.

Decided: February 22, 2022.

Attorney(s) appearing for the Case

ARGUED: Phillip R. Robinson , CONSUMER LAW CENTER LLC, Silver Spring, Maryland, for Appellants. Matthew Allen Fitzgerald , McGUIREWOODS LLP, Richmond, Virginia, for Appellee. ON BRIEF: Melissa O. Martinez , Baltimore, Maryland, Brian E. Pumphrey , Michael W. Stark , MCGUIREWOODS LLP, Richmond, Virginia, for Appellee.

Affirmed in part, reversed in part, and remanded by published opinion. Judge Thacker wrote the majority opinion, in which Judge King joined. Judge Richardson wrote a separate opinion, concurring in part and dissenting in part.

In this case, we address whether letters sent by borrowers Rogers Morgan ("Morgan") and Patrice Johnson ("Johnson") (collectively, "Appellants") to their loan servicer, Caliber Home Loans ("Appellee"), constitute qualified written requests ("QWRs") under the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §...

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