033153P.pdf   09/10/2004  Anitra D. Davis  v.  U.S. Bancorp
   U.S. Court of Appeals Case No:  03-3153
   District of Minnesota   
   Civil case - Consumer law. The court applies a presumption that a 
   properly mailed document is received by the addressee, and affidavit 
   from defendant's employee that notice was sent and complied with 
   applicable underwriting procedures was sufficient to establish that the 
   notice was sent absent contradictory evidence; notice was timely under 
   the Equal Credit Opportunity Act, and the district court did not err in 
   granting bank's motion for summary judgment on claim the bank had 
   violated the Act; plaintiff did not have standing under the state statutes 
   she sued under as she did not meet the requirements to proceed under the 
   private attorney general statute, Minn. Stat. Sec. 8.31, subd. 3a; district 
   court did not err in granting summary judgment for the bank on plaintiff's 
   common law fraud and misrepresentation claims as she had failed to make 
   a prima facie case on either claim. 
   [PUBLISHED] [Wollman, Author, with Heaney and Bowman, Circuit Judges]