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Vincent Ofor v. Ocwen Loan Servicing, LLC; Aames Funding Corporation, D/B/A Aames Home

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Submitted: March 17, 2011

Before SMITH, BRIGHT, and SHEPHERD, Circuit Judges.

Vincent Ofor filed suit against, inter alia, U.S. Bank, N.A. (“U.S. Bank”) seeking to invalidate the foreclosure and sale of his home. Ofor alleged that (1) the mortgage that the lender relied upon in foreclosing on his home was defective and therefore could not provide a valid basis for foreclosure under Minnesota law and (2) the lender violated the Truth in Lending Act (TILA), 15 U.S.C. § 1601, et seq., by failing to provide required notice to Ofor of his ability to cancel the transaction and by refusing to cancel the mortgage when Ofor exercised his right to rescind the mortgage on those grounds. Following a bench trial, the district court*fn1 dismissed Ofor’s claims with prejudice. Ofor now appeals that dismissal, and we affirm.

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