Edgar Perry v. Cashcall, Inc.;

NOT FOR PUBLICATION
UNITED STATES COURT OF APPEALS
FOR THE NINTH CIRCUIT
EDGAR PERRY,
Plaintiff-Appellant,
v.
CASHCALL, INC.; et al.,
Defendants-Appellees.
No. 14-16581
D.C. No. 3:13-cv-02369-LB
MEMORANDUM*
Appeal from the United States District Court
for the Northern District of California
Laurel D. Beeler, Magistrate Judge, Presiding**
Submitted July 26, 2016***
Before: SCHROEDER, CANBY, and CALLAHAN, Circuit Judges.
Edgar Perry appeals pro se from the district court’s judgment dismissing his
action alleging federal and state claims relating to his home loans. We have
FILED
AUG 04 2016
MOLLY C. DWYER, CLERK
U.S. COURT OF APPEALS
* This disposition is not appropriate for publication and is not precedent
except as provided by Ninth Circuit Rule 36-3.
** The parties consented to proceed before a magistrate judge. See 28
U.S.C. § 636(c).
*** The panel unanimously concludes this case is suitable for decision
without oral argument. See Fed. R. App. P. 34(a)(2).

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jurisdiction under 28 U.S.C. § 1291. We review de novo a dismissal for failure to
state a claim, Cholla Ready Mix, Inc. v. Civish, 382 F.3d 969, 973 (9th Cir. 2004),
and we affirm.
The district court properly dismissed Perry’s claims against the State of
California on the basis of Eleventh Amendment immunity. See Franceschi v.
Schwartz, 57 F.3d 828, 831 (9th Cir. 1995) (Eleventh Amendment bars suits in
federal court for damages against a state or an arm of the state).
The district court properly dismissed Perry’s Truth in Lending Act (“TILA”)
claim against CashCall, Inc. because Perry failed to allege facts sufficient to show
that he consummated a loan with CashCall. See Waters v. Weyerhaeuser Mort.
Co., 582 F.2d 503, 505 (9th Cir. 1978) (“There can be no violation of [TILA] until
the transaction is consummated.”).
The district court properly dismissed Perry’s breach of contract claim
against CashCall because Perry failed to allege facts sufficient to show that
CashCall breached the terms of a contract with him. See Bell Atl. v. Twombly, 550
U.S. 544, 570 (2007) (a complaint must contain enough facts to state a claim for
relief that is plausible on its face).
The district court properly dismissed Perry’s claims against First Bank and
Portuguese Fraternal Society of America as barred by the statute of limitations.
14-16581 2

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See 12 U.S.C. § 2614 (prescribing at most a three-year statute of limitations for
violations of the Real Estate Settlement Procedures Act); 15 U.S.C. § 1640(e) (an
action for damages under TILA must be brought within one year of the alleged
violation); Cal. Civ. Proc. Code § 338(d) (a fraud cause of action must be brought
within three years); Cal. Civ. Proc. Code § 337 (a breach of contract cause of
action must be brought within four years).
Perry’s motion to strike the joint excerpts of record, filed on December 31,
2014, and his “motion for injection,” filed on January 13, 2016, are denied.
AFFIRMED.
14-16581 3

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