The U.S. District Court of Rhode Island denied a large U.S. Bank's attempt to dismiss a case brought by a borrower for, among other things, breach of contract, misrepresentation, and violation of loss mitigation procedures under RESPA and Regulation X. The case stems from a court-ordered meditation of a foreclosure proceeding in which the parties signed a settlement agreement where the bank would review the borrower's loan modification application without considering a third party that was on the title of the home.