First State Bank v. Vories

How courts have described this case

Verbatim parenthetical descriptions written by other courts when citing this decision. Ranked by citation-network relevance.

• finding that in order for a borrower to avail himself of Regulation X’s protections, the borrower’s application must be received by the servicer after the effective date of the regulation
• dismissing pattern or practice allegations when the plaintiff referred only to an “unidentified action taken by the New York Department of Financial Services and the CFPB,” and provided “[n]ot so much as a case or reference number.”
• “Additionally, Regulation X provides that the receipt of a ‘notice of error’ triggers the servicer’s obligation to conduct a reasonable investigation.”
• \The sending of a template or form letter which fails to substantively address concerns raised by the borrower's inquiry does not satisfy the servicer's obligations under [RESPA's] error resolution procedures.\

Source: CourtListener parenthetical corpus (CC0).