Crutchfield v. Countrywide Home Loans

McCONNELL, Circuit Judge.

The Plaintiff, Mark Crutchfield, appeals the district court’s award of summary judgment to the Defendants, Countrywide Home Loans (“Countrywide”) and Mortgage Electronic Registration Systems, Inc. (“MERS”). Mr. Crutchfield seeks a declaratory judgment from the district court that he lawfully rescinded his assumption of his mother’s mortgage pursuant to the Truth in Lending Act (“TILA”). The district court found that there were no facts suggesting he actually assumed his mother’s mortgage or that Countrywide extended him credit. Without evidence of an assumption or a…