103179P.pdf   04/12/2012  Grant Gomez  v.  Wells Fargo Bank, N.A.
   U.S. Court of Appeals Case No:  10-3179
   U.S. District Court for the District of Minnesota - Minneapolis   
   [PUBLISHED] [Riley, Chief Judge, with Shepherd, Circuit Judge, and
   Webber, District Judge]
   Civil case - Real Estate Settlement Procedures Act. In class action
   alleging Wells Fargo paid a discount rate for appraisals and then charged
   buyers full market rate for the service, the plaintiffs failed to alleged the
   concrete financial loss needed to establish a RICO violation where their
   complaint contained the admission that they received appraisal services
   and paid market rates for the services; plaintiffs lacked standing to assert 
   a claim under California's Unfair Competition Law; complaint failed to state
   a RESPA claim because plaintiffs failed to establish that Wells Fargo
   received a thing of value; complaint failed to plead sufficient facts to give
   defendants adequate notice that plaintiffs were stating a "fee-splitting"
   claim under RESPA; the district court did not abuse its discretion by
   dismissing the complaint rather than giving plaintiffs a third chance to
   amend.