United States Court of Appeals for the Seventh Circuit
614 F.3d 400 (7th Cir. 2010)
Gloria Swanson (plaintiff) applied for a home-equity loan with Citibank, N.A. (Citibank) (defendant). Upon speaking to a Citibank representative, Swanson suspected that the representative was discouraging her from applying because she was black, and asked to speak with a manager. Swanson disclosed to the representative and manager that she had previously been denied a home-equity loan by another bank. The manager informed Swanson that it was more difficult to obtain a loan at Citibank than at other banks. Swanson nevertheless applied for a loan the next day. Citibank conditionally approved Swanson based upon her representation that her home was worth $270,000.00. Citibank thereafter arranged for Andre Lanier (defendant) of PCI Appraisal Services (PCI) (defendant) to appraise Swanson’s home. Lanier appraised Swanson’s home at $170,000.00. Swanson subsequently hired another appraiser, who valued her home at $240,000.00. In light of Lanier’s low appraisal, Citibank declined to grant Swanson a home-equity loan. Swanson brought suit against the defendants, alleging they violated Fair Housing Act § 3605 by working together to devalue her home in the appraisal as a pretense to deny her a loan on account of her race. The defendants filed a motion to dismiss pursuant to Rule 12(b)(6) of the Federal Rules of Civil Procedure. The district court dismissed her complaint for failure to state a claim.
Rule of Law
Holding and Reasoning (Wood, J.)
Dissent (Posner, J.)
What to do next…
Unlock this case brief with a free (no-commitment) trial membership of Quimbee.
You’ll be in good company: Quimbee is one of the most widely used and trusted sites for law students, serving more than 97,000 law students since 2011. Some law schools—such as Yale, Vanderbilt, Berkeley, and the University of Illinois—even subscribe directly to Quimbee for all their law students. Read our student testimonials.
Learn more about Quimbee’s unique (and proven) approach to achieving great grades at law school.
Quimbee is a company hell-bent on one thing: helping you get an “A” in every course you take in law school, so you can graduate at the top of your class and get a high-paying law job. We’re not just a study aid for law students; we’re the study aid for law students. Read more about Quimbee.
Here's why 218,000 law students have relied on our case briefs:
- Written by law professors and practitioners, not other law students. 14,100 briefs, keyed to 189 casebooks. Top-notch customer support.
- The right amount of information, includes the facts, issues, rule of law, holding and reasoning, and any concurrences and dissents.
- Access in your classes, works on your mobile and tablet. Massive library of related video lessons and high quality multiple-choice questions.
- Easy to use, uniform format for every case brief. Written in plain English, not in legalese. Our briefs summarize and simplify; they don’t just repeat the court’s language.