NOT PRECEDENTIAL


                UNITED STATES COURT OF APPEALS
                     FOR THE THIRD CIRCUIT

                                ________

                               No. 12-4311
                               _________

                        KENNETH J. TAGGART,
                                       Appellant

                                    v.

    NORWEST MORTGAGE INC., D/B/A America's Servicing Company;
            WELLS FARGO HOME MORTGAGE, INC.;
DEUTSCHE BANK NATIONAL TRUST COMPANY, Trustee for Morgan Stanley
               ABS Capital I Inc., Trust 2007-HE2
                           ________

              On Appeal from the United States District Court
                  for the Eastern District of Pennsylvania
                          (D.C. No. 2-09-cv-01281)
              District Judge: Honorable Mary A. McLaughlin
                                  _______

                Submitted Under Third Circuit LAR 34.1(a)
                           September 12, 2013

    Before: MCKEE, Chief Judge, SMITH, and SLOVITER, Circuit Judges

                       (Filed: September 13, 2013)

                             ______________

                              OPINION
                            _______________
SLOVITER, Circuit Judge.

       Kenneth J. Taggart appeals the District Court’s grant of judgment in favor of the

current owners and servicers of his mortgage loan (collectively, “the defendants”). For

the reasons that follow, we will affirm.

                                              I.

       In August of 2006, Taggart applied for a mortgage loan on a property he owned in

Holland, Pennsylvania. He closed on an adjustable-rate mortgage on September 15,

2006. The mortgage was subsequently securitized.

       In 2009, Taggart brought suit against the defendants, alleging a litany of violations

of federal and Pennsylvania law in the origination and servicing of the loan. Of relevance

here, Taggart alleged that his original lender and broker violated § 2607 of the Real

Estate Settlement Procedures Act, 12 U.S.C. § 2601 et seq. (“RESPA”), and various

provisions of the Truth in Lending Act, 15 U.S.C. § 1601 et seq. (“TILA”), by charging

unearned fees and by failing to disclose fees, costs, and features of the loan prior to

settlement. Several other claims alleged violations of the Pennsylvania Unfair Trade

Practices and Consumer Protection Laws, 73 P.S. § 201.1 et seq. (“UTPCPL”). The

remainder of Taggart’s allegations are not at issue on appeal.

       After careful analysis of Taggart’s many claims, the District Court eventually

granted the defendants’ motion to dismiss as to all but one. Taggart later withdrew the




                                              2
surviving claim, and the District Court entered final judgment for the defendants.

Taggart now appeals. 1

                                              II.

       Taggart first contests the District Court’s dismissal of his RESPA claims and

TILA damages claims, which the District Court held to be time-barred. “To survive a

motion to dismiss, a complaint must contain sufficient factual matter, accepted as true, to

‘state a claim to relief that is plausible on its face.’” Ashcroft v. Iqbal, 

, 678

(2009) (quoting Bell Atl. Corp. v. Twombly, 

, 570 (2007)). Our review of an

order granting a motion to dismiss is plenary. See Anspach ex rel. Anspach v. City of

Phila., Dep't of Pub. Health, 

, 260 (3d Cir. 2007).

       As the District Court held, both Taggart’s RESPA claims and his TILA damages

claims were subject to a one-year limitations period from the occurrence of the violation.

See 12 U.S.C. § 2614; 15 U.S.C. § 1640(e). 2 Because the alleged unearned fees were

charged at the September 2006 closing, and any failure to make required pre-settlement

disclosures had also occurred by that date, the limitations period had expired when

Taggart brought his suit in 2009. Taggart argues that the limitations period should be

equitably tolled, but has not alleged facts demonstrating that the defendants prevented


1
 The District Court had jurisdiction pursuant to 28 U.S.C. §§ 1331 and 1367. We have
appellate jurisdiction pursuant to 28 U.S.C. § 1291.
2
 Since Taggart filed this suit, the Dodd-Frank Wall Street Reform and Consumer
Protection Act, passed in 2010, has extended the limitations period to three years for a
subset of TILA damages claims. See Pub. L. No. 111-203, § 1416(b), 124 Stat. 1376,
2153 (codified at 15 U.S.C. § 1640(e)). That subset does not include the claims that
Taggart appeals.
                                              3
him from filing suit earlier, or “that some extraordinary circumstance stood in his way.”

Pace v. DiGuglielmo, 

, 418 (2005). The District Court properly found

Taggart’s RESPA claims and TILA damages claims to be time-barred.

                                             III.

       Second, Taggart contests the District Court’s dismissal of his TILA rescission

claims. Generally, a borrower may rescind a mortgage within three days of the

consummation of the loan, delivery of notice of the borrower’s right to rescind, or

delivery of certain “material disclosures,” whichever happens last. Regulation Z, 12

C.F.R. § 226.23(a)(3) (implementing 15 U.S.C. § 1635). If the notice or material

disclosures are never delivered, the right to rescind endures for three years after the loan

closing. See 

the three-year limitations period applies in his case.

       Regulation Z defines “material disclosures” as “the annual percentage rate

[including the existence of a variable-rate feature], the finance charge, the amount

financed, the total of payments, the payment schedule, and the disclosures and limitations

referred to in §§ 226.32(c) and (d) and 226.35(b)(2).” 

C, cmt. 2. It is undisputed that the defendants provided notice of Taggart’s right to

rescind and a TILA disclosure statement – containing the annual percentage rate, finance

charge, amount financed, total of payments, and payment schedule – in September of

2006. 3 Of the remaining “material disclosures,” the District Court determined that §


3
 The defendants appended these documents, signed by Taggart, to their motion to
dismiss. Taggart does not dispute their authenticity. “[A] court may consider an
undisputedly authentic document that a defendant attaches as an exhibit to a motion to
dismiss if the plaintiff's claims are based on the document.” Pension Ben. Guar. Corp. v.
                                              4
226.32 does not apply to Taggart’s loan. 4 Taggart has not appealed that ruling. Nor does

Taggart allege any violation of § 226.35(b)(2). Because Taggart has not identified any

applicable material disclosure that was never delivered, he has not stated a plausible

claim for an extended right to rescind.

                                             IV.

       Last, in his counseled reply brief Taggart argues that the District Court should

have declined jurisdiction over his UTPCPL claims once it dismissed his federal claims.

Even if this argument were not waived, see In re Surrick, 

, 237 (3d Cir.

2003) (holding that issues not raised in appellant’s opening brief are waived), it would

lack merit. “A district court's decision whether to exercise [supplemental] jurisdiction

after dismissing every claim over which it had original jurisdiction is purely

discretionary.” Carlsbad Tech., Inc. v. HIF Bio, Inc., 

, 639 (2009); see also

28 U.S.C. § 1367. In this case the state claims were largely duplicative of the federal

claims. The District Court did not abuse its discretion in adjudicating them.

                                             V.

       The District Court considered all of Taggart’s claims with exhaustive care, and we

perceive no error. We will affirm the grant of judgment in favor of the defendants.




White Consol. Indus., Inc., 

, 1196 (3d Cir. 1993). Taggart claims to have
received the disclosures several days late, but late delivery does not trigger the three-year
extension period. See 15 U.S.C. § 1635(a); 12 C.F.R. § 226.23(a)(3).
4
 This court’s dicta in McCutcheon v. America’s Servicing Co., 

, 150 n.6 (3d
Cir. 2009), suggesting that certain § 226.32(c) disclosures are “material disclosures” for
any variable-rate loan, appears to have overlooked the coverage criteria in § 226.32(a).
                                              5