In an action for violation of the Real Estate Settlement Procedures Act, dismissal of the complaint is affirmed where, in connection with a residential mortgage loan, charging a loan discount payment -- otherwise known as "points" or "discount points" -- to provide a specific, below-market interest rate did not constitute the "rendering of a real estate settlement service" within the meaning of 12 U.S.C. section 2607(b).

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Wooten v. Quicken Loans, Inc., No. 08-11245