On September 7th, the Ninth Circuit addressed the origination and foreclosure procedures for home loans maintained within the Mortgage Electronic Registration System ("MERS"). It holds plaintiffs cannot establish that they were misinformed about MERS, relied on any misinformation, or were injured by the misinformation. The Court also notes that the deeds of trust explain MERS' role. The Court therefore affirmed dismissal of plaintiffs' complaint which alleged that defendants used MERS to perpetrate a fraud. Cervantes v. Countrywide Home Loans, Inc.