164069P.pdf   04/03/2018  Steven L. Wirtz  v.  Specialized Loan Servicing
   U.S. Court of Appeals Case No:  16-4069
   U.S. District Court for the District of Minnesota - Minneapolis   
   [PUBLISHED] [Colloton, Author, with Smith, Chief Judge, and Murphy, 
   Circuit Judge] 
   Civil case - Real Estate Settlement Procedures Act. The district court did 
   not err in finding defendant violated RESPA when defendant failed to 
   conduct a reasonable investigation into plaintiff's loan payment history; 
   nor did the court err in finding defendant violated RESPA by failing to 
   provide the information plaintiff requested about his loan history since 
   origination of the loan; however, plaintiff failed to prove actual damages 
   because defendant's failure to comply with RESPA did not cause plaintiff's 
   alleged harm and the district court erred in granting plaintiff's motion 
   for summary judgment; while plaintiff incurred some expense in obtaining 
   his bank records, those records did not relate to the time period in 
   question and were irrelevant to the parties' dispute; as plaintiff failed 
   to establish an essential element of his RESPA claim - actual damages- the 
   district court erred in awarding statutory damages; plaintiff's judgment 
   under Minnesota's Mortgage Originator and Servicer Licensing Act reversed 
   and remanded for further proceedings.