OPINION & ORDER
JAMES S. GWIN, District Judge.
Defendants Countrywide Home Loans, Inc. ("Countrywide") and Bank of America Corporation ("BAC") move the Court pursuant to Federal Rule of Civil Procedure 12(b)(6) to dismiss Plaintiffs Joseph and Nermine Girgis's Complaint in this putative class action alleging unlawful lending practices. [Doc. 12.] The Plaintiffs have responded. [Doc. 18.]
For the following reasons, this Court
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