Dennis Hardy v. Regions Mortgage, Inc.

HULL, Circuit Judge:

Dennis and Henrietta Hardy (the “Har-dys”) appeal the judgment entered against their complaint. The district court granted a judgment on the pleadings on the ground that no private right of action exists under § 10 of the Real Estate Settlement Procedures Act (“RESPA”), 12 U.S.C. § 2609. The Hardys do not dispute that, after obtaining their mortgage, they enrolled in a x-etail shopping discount program and authorized defendant Regions Mortgage, Inc. (“Regions”) to add five dollars to their mortgage payment each month as payment for the program. Instead, the dispute here…