MEMORANDUM **

Damon and Claudia Lyman appeal from the district court’s order dismissing on the pleadings their action alleging violations o'f the Truth in Lending Act (“TILA”), the Real Estate Settlement and Procedures Act (“RE SPA”), and California’s Unfair Competition Law (“UCL”). We have jurisdiction under 28 U.S.C. § 1291. We review de novo, Dunlap v. Credit Prot. Ass’n, LP, 419 F.3d 1011, 1012 n. 1 (9th Cir. 2005) (per curiam), and we affirm.

The district court properly dismissed the Lymans’ TILA damages claim as time-barred because their action was not filed within one year of the alleged violations. See 15 U.S.C. § 1640(e) (an action for damages must be brought within one year of the alleged violation); King v. California, 784 F.2d 910, 915 (9th Cir. 1986) (holding that “the limitations period in Section 1640(e) runs from the date of consummation of the transaction”).

The district court properly dismissed the Lymans’ RE SPA claim as time-barred because their action was not filed within one year of the alleged violations. See 12 U.S.C. § 2607 (prohibition against kickbacks and unearned fees); 12 U.S.C. § 2614 (proscribing a one-year statute of limitations for violations of § 2607). Contrary to the Lymans’ contention, the district court did not abuse its discretion by declining to apply equitable tolling because the Lymans did not allege facts showing that the alleged violations could not have been discovered by a reasonable plaintiff within the limitations period. See Huynh v. Chase Manhattan Bank, 465 F.3d 992, 1003 (9th Cir. 2006) (decision to apply equitable tolling reviewed for an abuse of discretion).

The district court properly dismissed the Lymans’ UCL claim as preempted by the Home Owners’ Loan Act because their allegations fall within the categories listed in 12 C.F.R. § 560.2(b). See Silvas v. E*Trade Mortg. Corp., 514 F.3d 1001, 1005-06 (9th Cir. 2008) (Home Owners’ Loan Act preempted UCL claims based on loan-related fees and lender’s disclosure obligations).

The Lymans’ remaining contentions, including those regarding bringing their TILA damages claims as a recoupment defense, are unpersuasive.

AFFIRMED.