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Cosby v. Financial Freedom Senior Funding Corp.

September 10, 2009

CHARLES ANTHONY COSBY, PLAINTIFF,
v.
FINANCIAL FREEDOM SENIOR FUNDING CORPORATION, ET AL., DEFENDANTS.



The opinion of the court was delivered by: Gregory G. Hollows U. S. Magistrate Judge

FINDINGS AND RECOMMENDATIONS

Plaintiff is proceeding pro se in this action, referred to the undersigned pursuant to Local Rule 72-302(c)(21). Previously pending on this court's law and motion calendar for August 27, 2009, was defendant U.S. Dept. of Housing and Urban Development's ("HUD") motion to dismiss or in alternative for more definite statement. Plaintiff appeared in pro se. Defendant was represented by Bobbie Montoya. After hearing oral argument and reviewing the parties' papers, the court now issues the following findings and recommendations.

BACKGROUND

This case concerns plaintiff's claim that defendants violated his deceased mother's rights by taking advantage of her mental illness in persuading her to sign an agreement for a reverse mortgage. The complaint alleges that defendants are now attempting to profit from this agreement by foreclosing on decedent's residence. Plaintiff alleges illegal business practices, illegal lending, violation of Americans With Disabilities Act, violation of Senior Protection Act, elder financial abuse, mortgage fraud and unjust enrichment. Plaintiff seeks monetary damages. It is not clear whether plaintiff is also seeking injunctive relief.

DISCUSSION

Defendant HUD brings this motion to dismiss for failure to make a short and plain statement under Fed. R. Civ. P. 8(a), for failure to state a claim under Fed. R. Civ. P. 12(b)(6), and for failure to meet the heightened pleading standard for fraud under Fed. R. Civ. P. 9(b). In the alternative HUD moves for a more definite statement under Fed. R. Civ. P. 12(e).

A. Standards

A district court has an independent duty to examine its own jurisdiction, which is ordinarily determined from the face of the complaint. Sparta Surgical Corp. v. National Ass'n. of Securities Dealers, Inc., 159 F.3d 1209, 1211 (9th Cir. 1998), quoting Lexecon, Inc. v. Milberg Weiss Bershad Hynes & Lerach, 523 U.S. 26, 43, 118 S.Ct. 956, 966 (1998), and Ultramar America Ltd. v. Dwelle, 900 F.2d 1412, 1414 (9th Cir. 1990).

Federal district courts are courts of limited jurisdiction. U.S. Const. Art. III, § 1 provides that the judicial power of the United States is vested in the Supreme Court, "and in such inferior Courts as the Congress may from time to time ordain and establish." Congress therefore confers jurisdiction upon federal district courts, as limited by U.S. Const. Art. III, § 2. See Ankenbrandt v. Richards, 504 U.S. 689, 697-99, 112 S.Ct. 2206, 2212 (1992). Since federal courts are courts of limited jurisdiction, a case presumably lies outside the jurisdiction of the federal courts unless proven otherwise. Kokkonen v. Guardian Life Ins. Co. of America, 511 U.S. 375, 376-78, 114 S.Ct. 1673, 1675, 128 L.Ed. 2d 391 (1994). Lack of subject matter jurisdiction may be raised at any time by either party or by the court. See Attorneys Trust v. Videotape Computer Products,Inc., 93 F.3d 593, 594-95 (9th Cir. 1996).

Pro se pleadings are liberally construed. See Haines v. Kerner, 404 U.S. 519, 520-21, 92 S.Ct. 594, 595-96 (1972); Balistreri v. Pacifica Police Dep't., 901 F.2d 696, 699 (9th Cir. 1988). Unless it is clear that no amendment can cure the defects of a complaint, a pro se plaintiff proceeding in forma pauperis is entitled to notice and an opportunity to amend before dismissal. See Noll v. Carlson, 809 F.2d 1446, 1448 (9th Cir. 1987); Franklin, 745 F.2d at 1230.

If a plaintiff has no standing, the court has no subject matter jurisdiction. "[B]efore reaching a decision on the merits, we [are required to] address the standing issue to determine if we have jurisdiction."

Nat'l Wildlife Fed'n v. Adams, 629 F.2d 587, 593 n. 11 (9th Cir.1980). "[T]he standing question is whether the plaintiff has 'alleged such a personal stake in the outcome of the controversy' as to warrant his invocation of federal-court jurisdiction and to justify the exercise of the court's remedial powers on his behalf." Warth v. Seldin, 422 U.S. 490, 498- 99, 95 S.Ct. 2197, 45 L.Ed.2d 343 (1975) (quoting Baker v. Carr, 369 U.S. 186, 204, 82 S.Ct. 691, 7 L.Ed.2d 663 (1962)). There are three requirements for standing:

(1) "a plaintiff must have suffered an 'injury in fact'--an invasion of a legally protected interest which is (a) concrete and particularized and (b) actual or imminent, not 'conjectural' or 'hypothetical;'" (2) "there must be a causal connection between the injury and the conduct complained of--the injury has to be 'fairly... trace[able] to the challenged action of the defendant, and not... th[e] result [of] the independent action of some third party not before the court;'" and (3) "it must be 'likely' as opposed to merely 'speculative,' that the injury will be 'redressed by a favorable ...


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