UNITED STATES DISTRICT COURT WESTERN DISTRICT OF NORTH CAROLINA CHARLOTTE DIVISION 3:19-cv-581-RJC-DCK

JOSEPH B. LAMBERT, ) ) Plaintiff, ) ) v. ) ) ORDER FIRST HORIZON BANK, et al., ) ) Defendants. ) )

THIS MATTER comes before the Court on Defendant First Horizon Bank’s Motion to Dismiss, (Doc. No. 25); Plaintiff’s Response, (Doc. No. 28); Defendant’s Reply, (Doc. No. 29); and the Magistrate Judge’s Memorandum and Recommendation (“M&R”), (Doc. No. 30), recommending that this Court grant the motion in part and dismiss the motion in part. The parties have not filed objections to the M&R and the time for doing so has expired. Fed. R. Civ. P. 72(b)(2). I. BACKGROUND No party has objected to the Magistrate Judge’s statement of the factual and procedural background of this case. Therefore, the Court adopts the facts as set forth in the M&R. II. STANDARD OF REVIEW A district court may assign dispositive pretrial matters, including motions to dismiss, to a magistrate judge for “proposed findings of fact and recommendations.”

(b)(1)(A) & (B). The Federal Magistrate Act provides that a district court “shall make a de novo determination of those portions of the report or specified proposed findings or recommendations to which objection is made.”

§ 636(b)(1)(C); Fed. R. Civ. P. 72(b)(3). However, “when objections to strictly legal issues are raised

and no factual issues are challenged, de novo review of the record may be dispensed with.” Orpiano v. Johnson,

(4th Cir. 1982). De novo review is also not required “when a party makes general and conclusory objections that do not direct the court to a specific error in the magistrate’s proposed findings and recommendations.”

Similarly, when no objection is filed, “a district court need not conduct a de novo review, but instead must ‘only satisfy itself that there is no clear error on the face of the record in order to accept the recommendation.’” Diamond

v. Colonial Life & Acc. Ins. Co.,

(4th Cir. 2005) (quoting Fed. R. Civ. P. 72, advisory committee note). III. DISCUSSION Under Rule 72(b) of the Federal Rules of Civil Procedure, a district court judge shall make a de novo determination of any portion of an M&R to which specific written objection has been made. A party’s failure to make a timely objection is

accepted as an agreement with the conclusions of the Magistrate Judge. See Thomas v. Arn,

, 149–50 (1985). No objection to the M&R having been filed, and the time for doing so having passed, the parties have waived their right to de novo review of any issue covered in the M&R. Nevertheless, this Court has conducted a full review of the M&R and other documents of record and, having done so, hereby finds that the recommendation of the Magistrate Judge is, in all respects, in accordance with the law and should be approved. Accordingly, the Court ADOPTS the recommendation of the Magistrate Judge as its own. IV. CONCLUSION IT IS, THEREFORE, ORDERED that: 1. The Magistrate Judge’s M&R, (Doc. No. 30), is ADOPTED; 2. Defendant First Horizon Bank’s Motion to Dismiss, (Doc. No. 25), is GRANTED in part and DENIED in part; a. The motion is GRANTED as to Plaintiffs claims for fraud, conversion and unlawful taking, unfair and deceptive trade practices, and violation of the Real Estate Settlement Procedures Act as to Plaintiffs first qualified written request; b. The motion is DENIED as to Plaintiffs claims for breach of contract and violation of the Real Estate Settlement Procedures Act as to Plaintiffs second qualified written request; 3. Defendants First Horizon National Corporation and Mortgage Electronic Registration Systems, Inc. are DISMISSED from this action. SO ORDERED.

July 29, 2021

Bate Cr Of Robert J. Conrad, Jr. as United States District Judge ee