MEMORANDUM AND ORDER RE: MOTION TO DISMISS
Plaintiffs Mary Ferguson and Paul Leyda filed suit against defendant Wells Fargo Bank, N.A. ("Wells Fargo"), in state court, bringing claims related to the ownership of the deeds of trust securing two home loans. Defendant then removed the proceeding to this court on the basis of federal question jurisdiction and diversity jurisdiction. (Docket No. 1.) Currently before the court is defendant's motion to dismiss the Complaint in its entirety for failure to state a claim upon which relief can be granted pursuant to Federal Rule of Civil Procedure 12(b)(6).*fn1 (Docket No. 5.)
I. Factual and Procedural Background In 2006, plaintiffs obtained a loan from World Savings Bank, FSB ("WSB"), in the amount of $275,000. (Notice of Removal Ex. A ("Compl.") ¶¶ 8-9 (Docket No. 1).) The loan agreement was memorialized by a promissory note and secured by a Deed of Trust recorded against the property located at 1450 Liveoak Court in Fairfield, California ("the Liveoak property"). (Id.; Def.'s Req. for Judicial Notice ("RJN") Ex. A (Docket No. 6).) Also in 2006, plaintiffs obtained a loan from WSB in the amount of $900,000. (Compl. ¶¶ 15-16.) The loan agreement was memorialized by a promissory note and secured by a Deed of Trust recorded against the property located at 1380 Wildwing Lane in Vallejo, California ("the Wildwing property").*fn2 (Id.; RJN Ex. B.)
The beneficiary of both deeds of trust was WSB. (RJN Exs. A, B.)
Plaintiffs allege that "at some point after May 2006, [they] stopped receiving mortgage statements from WSB, and instead, start[ed] receiving mortgage statements from W[ells] F[argo]" for both properties. (Compl. ¶¶ 12, 18.) Yet, they claim that there was no recording of an assignment of the deed of trust for the Liveoak property. (Id. ¶ 13). They do not likewise explicitly allege that there was no recording of an assignment for the deed of trust for the Wildwing property. Instead, they allege only that some time after May 2006 they started receiving statements from Wells Fargo directing them to make payments to Wells Fargo and that contrary to what the Truth in Lending Act ("TILA") requires, neither WSB nor Wells Fargo sent plaintiffs "the TILA-required notice." (Compl. ¶ 19.)
Plaintiffs bring three claims. First, they allege that defendant was negligent by failing, in violation of California statutes, "to record any assignment" from WSB to Wells Fargo. (Id. ¶ 23.) Second, they claim that defendant violated California Business and Professions Code section 17200 by engaging in unfair business practices, failing to comply with California law that requires assignments to be recorded in the county where the real property lies, and failing to comply with the TILA requirement in 15 U.S.C. § 1641(g) that a new creditor provide written notice to the borrower specifying that the creditor is the new owner or assignee of the debt. (Id. ¶¶ 29-30.) Third, they allege that defendant violated TILA § 1641(g), which "required that W[ells] F[argo] inform [plaintiffs] that the Deed of Trust was assigned (if it was assigned at all) by WSB to" Wells Fargo. (Id. ¶ 35.) Plaintiffs also seek declaratory judgment and ask the court to determine who owns their mortgage and who, if anyone, is the assignee of WSB for the deeds of trust for the Liveoak and Wildwing properties. (Id. ¶ 21.) Defendants now move to dismiss all claims for failure to state a claim under Rule 12(b)(6).
II. Request for Judicial Notice
Defendant first seeks dismissal of plaintiffs' claims on the ground that the ownership of the deeds of trust is the same today as it was in 2006.*fn3 In support, defendant submits multiple documents establishing the conversion of WSB into a division of Wells Fargo. These documents include: (1) WSB's Certificate of Corporate Existence, dated April 21, 2006, and issued by the Office of Thrift Supervision, Department of the Treasury ("OTS"), (RJN Ex. C); (2) a letter dated November 19, 2007, from OTS to the Vice President and Assistant General Counsel of Wachovia Corporation reflecting amendment of the bank's charter and bylaws to change its name from World Savings Bank, FSB to Wachovia Mortgage, FSB ("Wachovia"), (id. Ex. D);
(3) a Secretary's Certificate for Wachovia certifying that the attached Charter of Wachovia became effective on December 31, 2007, (id. Ex. E); (4) a November 1, 2009, letter from the Comptroller of the Currency, Administrator of National Banks, to the Vice President of Wells Fargo reflecting the conversion of Wachovia to a national bank with the name Wells Fargo Bank Southwest and its merger with Wells Fargo, effective November 1, 2009, (id. Ex. F); and, finally, (5) a computer printout of the history of Wachovia from the Federal Deposit Insurance Corporation ("FDIC") website, (id. Ex. G).
In general, a court may not consider items outside the pleadings when deciding a motion to dismiss, but it may consider items of which it can take judicial notice without converting the motion to dismiss into a motion for summary judgment. United States v. Ritchie, 342 F.3d 903, 908 (9th Cir. 2003). A court may take judicial notice of facts "not subject to reasonable dispute" because they are either "(1) generally known within the territorial jurisdiction of the trial court or (2) capable of accurate and ready determination by resort to sources whose accuracy cannot reasonably be questioned." Fed. R. Evid. 201(b). Plaintiff does not dispute the authenticity of the documents nor the accuracy of the facts within them, but opposes defendant's request on the ground that the court cannot take judicial notice of the truth of the matters asserted within the documents.*fn4
Here, defendant argues that the documents are judicially noticeable as "copies of documents reflecting official acts of the executive branch of the United States, pursuant to Federal Rule of Evidence 201(b)." (RJN at 3:8-10.) Numerous district courts in the Ninth Circuit have taken judicial notice of these, or similar, documents on the same ground. See, e.g., Nguyen v. Wells Fargo Bank, N.A., 749 F. Supp. 2d 1022, 1035 (N.D. Cal. 2010); Wolf v. Wells Fargo Bank, N.A., Civ. No. 11-01337 WHA, 2011 WL 4831208, at *2 (N.D. Cal. Oct. 12, 2011); Hite v. Wachovia Mortgage, Civ. No. 2:09--02884, 2010 U.S. Dist. LEXIS 57732, at *6--9 (E.D. Cal. June 10, 2010) (Burrell, J.) (taking judicial notice of Exhibits C through F above).
The case plaintiffs rely on to oppose defendant's request explains that a court may not take judicial notice of the facts in public records whose truth is disputed, such as the facts in the documents a party files with the Securities Exchange Commission. See Roth v. Jennings, 489 F.3d 499, 509 (2d Cir. 2007) (for nondisclosure or misrepresentation claim, court may take judicial notice of public records not for the truth of the matter asserted, but to determine, for example, whether a representation was made). The documents submitted to the court by defendant do not implicate this rule because unlike the facts in the documents in Roth, the factual assertions in these documents reflect official acts of the executive branch, are readily verifiable, and are not disputed.
The court finds that documents one through four listed above are copies of documents reflecting official acts of the executive branch of the United States, and that they "can be accurately and readily determined from sources whose accuracy cannot reasonably be questioned." Fed. R. Evid. 201(b)(2). They are therefore judicially noticeable pursuant to Rule 201(b)(2). Given that plaintiffs do not dispute the documents' authenticity or the facts contained within them, the court will consider them for both the fact of their existence and the truth of the matter asserted. See Hague v. Wells Fargo Bank, N.A., Civ. No. 11-02366 TEH, 2011 WL 3360026, at *1 n.2 (N.D. Cal. Aug. 2, 2011) (taking judicial notice of documents establishing the history of Wold Savings Bank, FSB, for the truth of the matter they assert, despite opposing party's objections).
The court has doubts as to whether it can take judicial notice of document five, the computer printout from the FDIC website of the history of Wachovia, simply because it appears on a government website. It does not appear to be a public record or to reflect an official act of the executive branch. Cf. Coppes v. Wachovia Mortg. Corp., Civ. No. 2:10-01689, 2011 WL 1402878, at *2 (E.D. Cal. Apr. 13, 2011) (Burrell, J.) (taking judicial notice of same printout). The court need not decide that question, however, because the information appearing on the website ...