Full opinion text
MEMORANDUM OPINION AND ORDER NUGENT, District Judge. This matter comes before the Court upon several motions to dismiss filed pursuant to Federal Rule of Civil Procedure (“Rule”) 12(b)(6). More specifically, currently pending on this Court’s docket are: (1) a Motion to Dismiss the Amended Complaint pursuant to Rule 12(b)(6) filed by Defendant U.S. Mortgage Reduction, Inc. (“USMR”), (Doc. # 32); (2) a Partial Motion to Dismiss the Amended Complaint pursuant to Rule 12(b)(6) filed by Defendants Midwest National Mortgage Banc, Inc. (“Midwest”), Phillip Carson, Thomas Butzer, Robert Flynt, Clint Welsh, Nick Mayer, and Wesley Financial (“Wesley”), (Doc. # 46); and (3) a Motion to Dismiss the Amended Complaint pursuant to Rule 12(b)(6) filed by Defendants Gene Clabes and William Denight, (Doc. # 46). For the sake of clarity, the Court notes that it shall consider the Partial Motion to Dismiss the Amended Complaint filed by Defendants Midwest, Carson, Butzer, Flynt, Welsh, Mayer, and Wesley, in conjunction with the Motion to Dismiss filed by Defendants Clabes and Denight, as these parties are represented by the same counsel and the respective Motions are set forth in the same document. Except as otherwise indicated in this Memorandum Opinion and Order, the Court shall refer to Defendants Midwest, Carson, Butzer, Flynt, Welsh, Mayer, Wesley, Clabes, and Denight collectively as the “Midwest Defendants” and shall refer to the Motions in Document # 46 collectively as the “Motion to Dismiss filed by the Midwest Defendants.” (Doc. # 46) For the reasons set forth below, the Motions to Dismiss are granted in part and denied in part. In particular, the Midwest Defendants’ Motion to Dismiss Plaintiffs’ Racketeer Influenced and Corrupt Organizations Act (“RICO”) claim in Count I is granted to the extent that Plaintiffs fail to state a claim against Defendants Clabes and Denight. Plaintiffs’ RICO claim is hereby dismissed with respect to those Defendants. However, the remainder of the Motion to Dismiss Count I made by the Midwest Defendants is denied. Defendant USMR’s Motion to Dismiss Count I is, likewise, denied. With respect to the Fair Housing Act (“FHA”) claims in Count II, Defendants’ Motions to Dismiss are granted as to Plaintiffs’ claims arising under 42 U.S.C. § 3604. Plaintiffs do not state a claim for relief with respect to that provision. Furthermore, the Motions to Dismiss Plaintiffs’ claims arising under 42 U.S.C. § 3605 by Defendants Clabes and Denight, and Defendant USMR are denied. As to Count III, the Midwest Defendants’ Motion to Dismiss Plaintiffs’ claim under Ohio Revised Code Chapter 4112.02(H)(1) is granted. In making this ruling, the Court notes that Plaintiffs’ claims under § 4112.02(H)(3)and (5) and § 4112.021 remain pending against the Midwest Defendants, including Defendants Clabes and Denight. The Motion to Dismiss filed by Defendant USMR as to this Count is granted as to the claims arising under § 4112.02(H)(1), (5) and § 4112.021, but denied as to the claim arising under § 4112.02(H)(3). The fraud claim in Count IV survives the Motions to Dismiss, except to the extent that Plaintiffs attempt to state a claim against Defendants Clabes and Denight. Because the Amended Complaint fails to comport with the pleading requirements in Rule 9(b) with respect to Defendants Clabes and Denight, the fraud claim against them is dismissed. Similarly, the Motions to Dismiss are denied to the extent that they seek dismissal of the claim of unconscionability in Count V; the claim of conversion against Defendant Wesley in Count VI; and the claim of civil conspiracy in Count X, except as the civil conspiracy claim applies to Defendants Clabes and Denight. As to Count XI, the Motions to Dismiss are denied, except to the extent that Plaintiffs attempt to assert PCA claims against Defendants Clabes and Denight. Count XI is dismissed as it relates to those Defendants. Finally, the Motions to Dismiss Plaintiffs’ public policy claim in Count XII are granted as to all Defendants. Count XII is thereby dismissed in its entirety. I. BACKGROUND On July 27, 2000, Plaintiffs Priscilla Eva, Marylea Monroe, Grover Monroe and Metropolitan Strategy Group filed an eleven-count Complaint in this Court pursuant to its federal question jurisdiction. (Doc. # 1) On October 17, 2000, Plaintiffs filed a twelve-count Amended Complaint which, inter alia, added Plaintiffs Sandra Folk-man and Robin Gainer. (Doc. # 17) In the Amended Complaint, Plaintiffs allege that Defendants engaged in a pattern or practice of predatory and sexually discriminatory lending directed at female borrowers for residential loans in the Cleveland, Ohio metropolitan area. Id. at ¶ 1. Plaintiffs contend that Defendants’ conduct consists of, but is not limited to, the following: ! targeting property owners with substantial equity in their property and/or the ability to make a substantial payment at closing; ! misrepresenting loan terms and inflating home appraisals; ! establishing impossible repayment terms; ! inducing borrowers to obtain loans that Defendants know or should know that borrowers will be unable to repay; and ! charging undisclosed and/or improper fees. Id. at ¶ 2. Plaintiffs state that Defendants effectively “lock the borrower in an unaffordable loan that includes equity stripping features such as inflated home appraisals which allows [sic] Defendants to deceive secondary market purchasers and extract even more money for themselves.” Id. at ¶ 4. Plaintiffs further allege that Defendants charged improper fees in the nature of “kickbacks” for valueless services. Id. Count I of the Amended Complaint alleges that Defendants violated RICO, 18 U.S.C. §§ 1962(c)-(d) and 1964(c), by engaging in a pattern of racketeering activity. Id. at ¶¶ 101-121. Count II claims that Defendants violated the FHA, 42 U.S.C. § 3601 et seq., by making housing unavailable based upon sex, and discriminating in the provision of services and financial assistance based upon the same. Id. at ¶¶ 122-124. Count III asserts a violation of rights based upon gender pursuant to Chapter 4112 of the Ohio Revised Code. Id. at ¶¶ 125-128. Count IV claims that Defendants committed fraud by inducing the individual Plaintiffs to enter into the loan agreements and related transactions. Id. at ¶¶ 129-137. Count V states that “[t]he loan agreements and related documents are unconscionable and should be null and void from their inception.” Id. at ¶ 146. Alternatively, Count V asks this Court to strike the unconscionable terms and charges from the agreements, refunding sums when appropriate. Id. at ¶ 147. Count VI is for the common law tort of conversion, brought only against Defendant Wesley. Id. at ¶¶ 148-154. Count VII asserts a cause of action under the Equal Credit Opportunity Act (“ECOA”), 15 U.S.C. § 1691, claiming that Defendants discriminated in the availability and terms and conditions of credit based upon sex. Id. at ¶¶ 155-156. Count VIII contends that Defendants Midwest and/or Wesley violated the Real Estate Settlement Procedures Act (“RE SPA”), 12 U.S.C. § 2602(1), when they “accepted a split portion or percentage of the payments in the amount of $995.00 (Eva and Monroe) and $795 (Folkman), and $1590 (Gainer) in connection with federally related mortgage loans, for something other than goods or facilities actually provided or services actually performed....” Id. at ¶ 160. Count IX asserts that Defendant Midwest violated the Truth-in-Lending Act (“TILA”), 15 U.S.C. § 1639, by, inter alia, failing to provide the proper disclosures. Id. at ¶¶ 163-170. Count X sets forth a claim of civil conspiracy against Defendants. Id. at ¶¶ 171-174. Count XI alleges that Defendants “conspired to commit and committed multiple acts of corrupt activity including wire fraud, mail fraud and conversion.” Id. at ¶ 176. Count XII of the Amended Complaint asserts that Defendants’ actions violate the public policy of the State of Ohio and the United States. Id. at ¶¶ 186-187. Counts I through XII of the Amended Complaint are brought by Plaintiffs Priscilla Eva, Marylea Monroe, Sandra Folk-man, and Robin Gainer. Grover Monroe joins in all Counts, with the exception of Count VII. Metropolitan joins only in Counts II, III, and XII. On November 1, 2000, Defendant USMR filed a Motion to Dismiss the Amended Complaint pursuant to Rule 12(b)(6). (Doc. #32) On November 22, 2000, the Midwest Defendants filed the Motion to Dismiss the Amended Complaint pursuant to the same Rule. (Doc. #46) The respective Motions to Dismiss filed by USMR and the Midwest Defendants are currently before the Court for disposition. On January 10, 2001, the Court held a status conference in this matter. At the conference, Plaintiffs’ counsel indicated a willingness to dismiss certain claims. Amidst some confusion between the parties concerning the claims in the Amended Complaint, the Court requested that Plaintiffs’ counsel clarify in writing what claims Plaintiffs were willing to dismiss against whom. On January 19, 2001, the Court received a faxed copy of a Letter of Clarification. In the letter, Plaintiffs’ counsel made clear that Plaintiffs are no longer pursuing any claims against any Defendants under ECOA. As such, the Court need not consider Count VII of the Amended Complaint, and that claim is hereby DISMISSED WITHOUT PREJUDICE. Plaintiffs’ counsel also clarified that Plaintiffs do not assert a RESPA claim against USMR, and have not pleaded TILA claims against any party other than Midwest. Finally, Plaintiffs’ counsel addressed the conversion count contained in Count VI of the Amended Complaint. Plaintiffs’ counsel reiterated that Plaintiffs claim only that Defendant Wesley converted their funds. However, Plaintiffs’ counsel also indicated that as the evidence is developed in this case, Plaintiffs anticipate holding USMR likewise responsible for conversion under agency principals. With that procedural posture in mind, the Court now turns to the Motions to Dismiss. II. STANDARD OF REVIEW On a motion to dismiss brought pursuant to Rule 12(b)(6), the court’s inquiry is essentially limited to the content of the complaint, although matters of public record, orders, items appearing in the record of the case, and exhibits attached to the complaint may also be taken into account. See Chester County Intermediate Unit v. Pennsylvania Blue Shield, 896 F.2d 808 (3rd Cir.1990). The court “must construe the complaint in a light most favorable to the plaintiff, accept all factual allegations as true, and determine whether the plaintiff undoubtedly can prove no set of facts in support of his claims that would entitle him to relief.” Columbia Natural Resources, Inc. v. Tatum, 58 F.3d 1101, 1109 (6th Cir.1995), cert. denied, 516 U.S. 1158, 116 S.Ct. 1041, 134 L.Ed.2d 189 (1996). However, while construing the complaint in favor of the non-moving party, a trial court will not accept conclusions of law or unwarranted inferences cast in the form of factual allegations. See City of Heath v. Ashland Oil, Inc., 834 F.Supp. 971, 975 (S.D.Ohio 1993). Thus, a plaintiff must plead more than bare legal conclusions. “A complaint must contain either direct or inferential allegations respecting all the material elements to sustain a recovery under some viable legal theory.” Lillard v. Shelby County Bd. of Educ., 76 F.3d 716, 726 (6th Cir.1996) (quoting Allard v. Weitzman (In re DeLorean Motor Co.), 991 F.2d 1236, 1240 (6th Cir.1993)). III. DISCUSSION A. Count I: Plaintiffs’ RICO Claim In Count I of the Amended Complaint, Plaintiffs bring a cause of action against Defendants based on a violation of 18 U.S.C. §§ 1962(c)-(d), and 1964(c). Section 1962(c)-(d), entitled “Prohibited Activities” provides: (c) It shall be unlawful for any person employed by or associated with any enterprise engaged in, or the activities of which affect, interstate or foreign commerce, to conduct or participate, directly or indirectly, in the conduct of such enterprise’s affairs through a pattern of racketeering activity or collection of unlawful debt. (d) It shall be unlawful for any person to conspire to violate any of the provisions of subsection ... (c) of this section. Section 1964(c) of RICO gives individuals a private right of action with recourse to treble damages and reasonable attorney fees. In Count I, Plaintiffs assert that Defendants Wesley, Midwest, USMR, and seven individuals formed an association-in-fact enterprise. (Doc. # 52 at 17) They allege that the purpose of the association-in-fact enterprise was to deceive borrowers about the terms and conditions of their loans, so that Defendants may earn excessive fees and interest rates. Id. Plaintiffs claim that Defendants accomplished that scheme by: 1) charging dramatically higher interest rates and fees than what they promised; 2) using the [Equity Acceleration Program (“EAP”) ] disclosures to misrepresent loan terms, including the length of the loan and the rate of interest charged; 3) using the EAP program to generate additional fees to an affiliate, Wesley, without complying with the prohibitions or requirements under federal Truth in Lending laws for high cost mortgages (the Home Ownership Equity Protection Act (“HOEPA”). 15 U.S.C. § 1639); 4) making loans to borrowers that the borrowers would be unable to repay; and 5) soliciting inflated appraisals of the homes securing the loans so that highly inflated fees could be charged and so that the loans could be sold to unsuspecting secondary market purchasers. Id. On this basis, Plaintiffs claim to have properly pled a RICO claim against Defendants. Id. Within their respective Motions, both the Midwest Defendants and Defendant USMR move to dismiss Plaintiffs’ RICO claim. The Midwest Defendants move to dismiss Plaintiffs’ RICO claim based upon Plaintiffs’ alleged failure to plead the following: (1) the necessary predicate acts as required by statute; (2) fraud with particularity; (3) the alleged enterprise acted as a continuing unit; and (4) the alleged enterprise was separate and distinct from the alleged RICO persons. (Doc. # 46 at i) Likewise, Defendant USMR moves to dismiss Plaintiffs’ RICO claim on the grounds that Plaintiffs failed to allege a RICO person distinct from the RICO enterprise; the Amended Complaint does not properly state a claim for an association-in-fact enterprise; and Plaintiffs failed to properly plead a claim for conspiracy to commit a RICO violation. (Doc. # 38 at i) With those arguments in mind, the Court now turns to Plaintiffs’ RICO claim. The Court first examines the existence of an enterprise distinct from the alleged RICO persons as required by the relevant case law. Next, the Court considers whether Plaintiffs properly allege an association-in-fact enterprise in accordance with the RICO statute. After doing so, the Court inquires as to whether Plaintiffs plead the predicate acts necessary to allege a violation of RICO. Finally, the Court examines whether Plaintiffs plead sufficient facts to allege a RICO conspiracy- 1. Existence of a RICO Enterprise In this case, Defendants assert that the Amended Complaint fails to allege the existence of a RICO enterprise distinct from the alleged RICO persons. As recognized previously, pursuant to 18 U.S.C. § 1962(c), “it shall be unlawful for any person employed by or associated with any enterprise ... to conduct or participate, directly or indirectly, in the conduct of such enterprise’s affairs through a pattern of racketeering activity...” Id. (emphasis added). A single individual or corporation cannot be both the “enterprise” and the “person” under RICO. See Davis v. Mutual Life Ins. Co. of New York, 6 F.3d 367, 377 (6th Cir.1993), cert. denied, 510 U.S. 1193, 114 S.Ct. 1298, 127 L.Ed.2d 650 (1994). Thus, the Sixth Circuit affirmed a verdict of RICO liability when it rejected a claim that the RICO enterprise was insufficiently distinct from the RICO persons participating in the enterprise, holding “the pleadings adequately state that each of the five defendants was a ‘person’ and together they formed a racketeering ‘enterprise.’ ” Fleischhauer v. Feltner, 879 F.2d 1290, 1297 (6th Cir.1989), cert. denied, 493 U.S. 1074, 110 S.Ct. 1122, 107 L.Ed.2d 1029 (1990). Here, the Amended Complaint alleges that an enterprise- existed consisting of Midwest, Carson, Butzer, Flynt, Welsh, Clabes, Denight, Wesley, and USMR. (Doc. # 17 at ¶¶ 102-114) Accordingly, the Amended Complaint alleges an enterprise in which each RICO “person” is one of a number of members of the RICO enterprise. Contrary to the contention of the Midwest Defendants, the Amended Complaint alleges that “persons” participated in the “enterprise” who are distinct from the corporate defendant Midwest. That is, the members of the alleged “enterprise” are not merely employees of Midwest conducting regular corporate activity. Rather, the Amended Complaint alleges that Defendants Wesley and USMR were members of the RICO enterprise that exist as separate legal entities distinct from, although in some way related to, the Midwest Defendants. In response to Defendants’ argument, Plaintiffs do not dispute that the person who violates RICO must be in some way distinct from the enterprise under the statute. (Doc. # 52 at 18) Nevertheless, Plaintiffs claim that Defendants “turn this concept on its head.” Id. Plaintiffs explain: Defendants argue that if all the persons hable for wrongdoing form an enterprise through which the wrongdoing is accomplished, they are insulated from RICO liability. Defendants’ analysis so irrationally contorts RICO as to insulate from any liability the very persons RICO intends to hold liable. RICO requires that the ‘person’ who is to be held liable must be in some manner distinct from the ‘enterprise’ whose affairs the ‘person’ conducts. Defendants argue that the RICO claim must be dismissed because all of the ‘persons’/Defendants are related to one another through employment, agency, or ownership relationships and are, therefore, part of a single organization. Defendants miss the point. The single organization to which all Defendants belong is the RICO ‘enterprise’ through which they have conducted the racketeering activity. Section 1962(c), in fact, requires that in order to be held liable under RICO, ‘persons’ must be ‘employed by or associated with’ the enterprise. Courts interpreting Sections 1962(c) and 1961 recognize that while some distinction between the ‘enterprise’ and the ‘person’ must exist, some affiliation between them is required to hold the ‘person’ liable. Id. at 18-20. Furthermore, Plaintiffs argue that the case of Fleischhauer v. Feltner, 879 F.2d 1290 (6th Cir.1989) demonstrates that some affiliation between the “enterprise” and the “person” is permissible. Id. at 20. In Fleischhauer, the appellant asserted that the “enterprise” was not sufficiently distinct from the “person” because one of the individual defendants alleged to be a part of the “enterprise” owned 100% of the corporate defendants alleged to be a part of the same “enterprise.” 879 F.2d at 1297. The Sixth Circuit found that “[s]uch argument has no merit; the fact that [the individual defendant] owned 100% of the [corporate defendants’] shares does not vitiate the fact that these corporations were separate legal entities.” Id. Based upon this proposition, the Sixth Circuit held that the jury had ample basis to find that all defendants were collectively the “enterprise” within the meaning of the RICO statute. Id. In this case, the so-called “non-identity” or “distinctness” requirement is satisfied based upon the fact that the alleged “enterprise” does not consist only of Midwest’s subdivisions, agents, or members. See Begala v. PNC Bank, Ohio, Nat’l Assoc., 214 F.3d 776, 781 (6th Cir.2000). The Amended Complaint does not allege, as Defendants contend, that an organization joined with its own members to undertake regular corporate activity and thereby became an organization distinct from itself. See id. Although it is clear from the pleadings that the individual Defendants are employees and/or agents of Midwest, that fact alone does not render Plaintiffs’ RICO claim insufficient to state a claim upon which relief may be granted. The Amended Complaint states the following with respect to the corporate Defendants: Defendant Midwest National Mortgage Banc, Inc. (“Midwest”), on information and belief, is an Ohio Corporation which is registered to do business in Ohio and Kentucky and has its principal place of business at 8150 Corporate Park Drive, Suite 300, Cincinnati, Ohio 45242-3309. Midwest has operated and continues to operate as a mortgage lender, making and servicing first and second trust loans in Ohio. Defendant Wesley Financial, on information and belief, is an Ohio Corporation which is registered to do business in Ohio and Kentucky and has its principal place of business at 8150 Corporate Park Drive, Suite 300, Cincinnati, Ohio. On information and belief Wesley Financial and Carson are agents of and/or affiliated with Defendant U.S. Mortgage Reduction, Inc., whose “Equity Acceleration Program (“EAP”) is a fraudulent scheme to extract excessive funds from borrowers”. U.S. Mortgage Reduction, Inc. has its principal place of business in South Carolina. (Doc. # 17 at ¶¶ 12-18) Based upon this information, even if Defendant Wesley is assumed to be one in the same as Defendant Midwest, it is still not clear from the pleadings that Defendant USMR is a subdivision, agent, or member of Midwest. The fact that Defendants Wesley or Carson may be agents and/or affiliated with USMR does not necessarily signify that the three corporate Defendants are a single legal entity. To make such a conclusion would be to draw an inference against Plaintiffs, who collectively constitute the non-moving party. Such an assumption is contrary to the established practice of reviewing motions to dismiss made pursuant to Rule 12(b)(6) and “the rule that RICO pleadings are to be liberally construed.” Begala, 214 F.3d at 781; see also United States v. Turkette, 452 U.S. 576, 586, 101 S.Ct. 2524, 69 L.Ed.2d 246 (1981) (noting that § 904(a) of RICO directs that the provisions of the RICO statute shall be liberally construed to effectuate its remedial purposes). For the foregoing reasons, the Court finds that Plaintiffs’ Amended Complaint adequately alleges the existence of a RICO enterprise sufficient to satisfy the “non-identity” or “distinctness” requirement. 2. Association-in-Fact Next, the Court addresses Defendants’ argument that Plaintiffs fail to properly plead an association-in-fact enterprise within the context of their RICO claim. It well established that “[a] properly pled RICO claim must cogently allege activity that would show ongoing, coordinated behavior among the defendants that would constitute an association-in-fact.” Begala, 214 F.3d at 782 (internal quotations omitted); Turkette, 452 U.S. at 576, 101 S.Ct. 2524; Frank v. D’Ambrosi, et al., 4 F.3d 1378, 1386 (6th Cir.1993). That is, a plaintiff must allege facts which suggest that the behavior of the defendants is coordinated, such that they function as a continuing unit. See Begala, 214 F.3d at 782. In order to meet this requirement, the plaintiff must allege some minimal level of organizational structure between the entities involved. See VanDenBroeck v. CommonPoint Mortgage Co., 210 F.3d 696, 699 (6th Cir.2000). A plaintiff may establish such an organizational structure by alleging facts that demonstrate a chain of command or other evidence of a hierarchy, which may be limited in nature. See id. at 700. In this case, the Court finds that Plaintiffs properly allege an association-in-fact enterprise. The Amended Complaint alleges activity which demonstrates ongoing, coordinated behavior among Defendants that satisfies the association-in-fact requirement. Plaintiffs allege that the purpose of the association-in-fact enterprise was to deceive borrowers about the terms and conditions of their loans, so that Defendants may earn excessive fees and interest rates. (Doc. # 52 at 17) In the Amended Complaint, Plaintiffs generally claim that: (1) the Midwest Defendants gave them loans and then charged them dramatically higher interest rates and fees than those originally promised; (2) the Midwest Defendants unnecessarily enrolled Plaintiffs in the EAP managed by USMR, using the EAP’s disclosures to misrepresent the actual loan terms; (3) the Midwest Defendants along with USMR used the EAP to generate additional fees to Wesley, which acted as an agent of USMR by collecting fees for the EAP; (4) the Midwest Defendants made loans to borrowers that the borrowers would be unable to repay; and (5) the Midwest Defendants solicited inflated appraisals of the homes securing the loans so that highly inflated fees could be charged and so that the loans could be sold to unsuspecting secondary market purchasers. Id.; see e.g., (Doc. # 17 at ¶¶ 13, 27, 161) Based upon these facts, Plaintiffs contend that “Defendants were associated for the common purpose of engaging in a course of conduct, to induce borrowers to take out loans from [Midwest] with the common motivation for profit.” (Doc. # 52 at 24 (citing Doc. # 17 at ¶ 116)) As to the structure of the alleged enterprise, Plaintiffs assert that Defendant Carson is the President and CEO of Midwest, which was the lender responsible for Plaintiffs’ loans; an agent of USMR, which managed the EAP; and a principal of Wesley, which collected the fees for the EAP. (Doc. # 17 at ¶¶ 13, 18, 27). Accordingly, the Amended Complaint identifies a single person, namely Carson, who is affiliated with each corporate Defendant and is the supervisor of the individual Defendants. Thus, Plaintiffs assert that “[i]n the hierarchy of the organization, Philip Carson was at the top.” (Doc. # 52 at 24) Based upon the foregoing, the Court finds that Plaintiffs set forth facts demonstrating that Defendants functioned as a continuous unit which had an ascertainable organizational structure. The Amended Complaint alleges a stable and fluid entity sufficient to constitute a RICO enterprise because Plaintiffs set forth facts which demonstrate that Defendants engaged in ongoing, coordinated behavior that, if assumed to be true, would constitute an association-in-fact. Stated another way, the Amended Complaint alleges that the enterprise is continuing and not merely an ad hoc collection of individuals who temporarily joined forces. It also alleges a structure of the enterprise and roles separate from the predicate acts themselves. Therefore, the Court finds Defendants’ argument that Plaintiffs fail to properly plead an association-in-fact enterprise to be without merit. 3. Predicate Acts The Court now examines the Midwest Defendants’ argument that Plaintiffs fail to allege RICO predicate acts with the particularity required by Rule 9(b). It is clear that a plaintiff attempting to set forth a RICO claim must allege facts to demonstrate that the defendant committed an illegal predicate act. See Walters v. First Tennessee Bank, N.A., Memphis et al., 855 F.2d 267, 272 (6th Cir.1988) (citing 18 U.S.C. § 1962). Amongst other offenses, wire fraud is considered to be sufficient to constitute a predicate act for purposes of alleging a RICO cause of action. See Grantham and Mann, Inc. v. American Safety Prod., Inc., 831 F.2d 596, 605 (6th Cir.1987). A wire fraud violation consists of “(1) the formation of a scheme or artifice to defraud[;] (2) use of the United States wires or causing a use of the United States wires in furtherance of the scheme; and (3) specific intent to deceive or defraud.” Central Distrib. of Beer, Inc. v. Conn, 5 F.3d 181 (6th Cir.1993); United States v. Horry, 49 F.3d 1178, 1179 (6th Cir.1995). In addition, the RICO plaintiff must set forth facts to demonstrate detrimental reliance upon the fraudulent conduct. See Kenty, et al. v. Bank One, Columbus, N.A., 92 F.3d 384, 389 (6th Cir.1996). In a case involving alleged mail fraud, the Supreme Court made clear that “the use of the mails need not be an essential element of the scheme.” Schmuck v. United States, 489 U.S. 705, 710, 109 S.Ct. 1443, 103 L.Ed.2d 734 (1989). Rather, the Supreme Court recognized that it is sufficient for the use of the mails to be an “incident to an essential part of the scheme,” or a “step in the plot.” Id. (alteration omitted). The Sixth Circuit considered a similar issue in the context of alleged wire fraud in Roberts v. United States, 226 F.2d 464 (6th Cir.1955). In that case, the defendants were convicted of using an interstate telephone call for the purpose of executing a scheme to defraud. Id. The indictment charged that the defendants devised a scheme to defraud a landscape gardener by falsely representing that they owned and had authority to sell a specified amount of blue grass sod. Id. at 466. The evidence presented at trial demonstrated that the defendants arranged to meet the landscape gardener at a certain location on a certain date for the purposes of closing the deal. Id. Due to an unanticipated delay, however, defendants called the landscape gardener to advise him that they would be late and to request that he await their arrival. Id. In reviewing the defendants’ challenge to their convictions, the Sixth Circuit held that the telephone call in question was made in furtherance of the scheme to defraud and was sufficient to sustain the allegation in the indictment. Id. In Roberts, as in the instant case, the information conveyed through the telephone communication was not alleged to be false. Id. In instances in which a wire fraud claim is asserted, Rule 9(b) requires the plaintiff to state the fraud claim with particularity. See Advocacy Org. for Patients and Providers, et al. v. Auto Club Ins. Ass’n, et al., 176 F.3d 315, 322 (6th Cir.1999). The pleading requirements in Rule 9(b) are to provide fair notice to the defendant, such that the defendant may prepare a pleading in response to the allegations of fraud. See id. Furthermore, Rule 9(b) requires that fraud be pled with particularity in order to: place the defendants on notice of the precise misconduct of which they are charged, and to safeguard defendants against spurious charges of immoral and fraudulent behavior. It is certainly true that allegations of “date, place and time” fulfill these functions, but nothing in the rule requires them. Plaintiffs are free to use alternative means of injecting precision and some measure of substantiation into their allegations of fraud. Seville Indus. Mach. Corp. v. Southmost Mach. Corp., 742 F.2d 786, 791 (3d Cir.1984). Although the Sixth Circuit reads Rule 9(b)’s requirements liberally, the plaintiff is required to allege the time, place, and content of the alleged misrepresentation; the fraudulent scheme; the fraudulent intent of the defendants; and the injury resulting from the fraud. See Advocacy Org. for Patients and Providers, et al., 176 F.3d at 322 (quoting Coffey v. Foamex, L.P., 2 F.3d 157, 161-62 (6th Cir.1993) (internal quotations omitted)). In Count I of the Amended Complaint, Plaintiffs claim that in late August or September of 1999, Plaintiffs Eva and Gordon Monroe received unsolicited telephone calls from an unknown individual affiliated with Midwest, who referred them to the Midwest Defendants to complete a loan application. (Doc. # 17 at ¶¶ 21, 42) Similarly, Plaintiffs allege that in November of 1999, Plaintiff Gainer received two pertinent telephone phone calls. Id. at ¶ 81. In the first, she was asked via recorded message if she was interested in refinancing her home. Id. The next day, Plaintiff Gainer received a follow-up telephone call from a Midwest representative who told her that someone would be sent to her home to discuss refinancing. Id. Plaintiffs argue that such allegations, viewed against the backdrop of the entire Amended Complaint, are sufficient to satisfy Rule 9(b). Plaintiffs argue the following: Plaintiffs have provided both a detailed description of the scheme to defraud and the individual misrepresentations made to the Plaintiffs. The scheme to defraud engaged in by Defendants was to misrepresent loan terms and fees to the Plaintiffs to induce reliance on those misrepresentations so that Plaintiffs would enter into transactions through which Defendants earned excessive fees and interest. Each of the Plaintiffs during the course of their transaction dealt with at least one of the Defendants. For example, Plaintiff Eva identified Defendant Butzer as making specific misrepresentations concerning the interest rate, the term of the loan, and fees to be charged. Plaintiffs have also alleged what role each Defendant played in the scheme: 1) Philip Carson as the President of Midwest, the Principal of Wesley, the Representative of USMR; 2) Midwest as the lender responsible for telemarketing and determining loan terms; 3) Wesley as the entity collecting fees for the EAP Program; 4) USMR as the entity responsible for managing and marketing the EAP Program used by Defendants to defraud Plaintiffs; and 5) the individual Defendants as various loan officers and corporate officers of Midwest. (Doc. # 52 at 31) Accordingly, Plaintiffs claim to have alleged with particularity the scheme to defraud. Id. In contrast, the Midwest Defendants advance two theories in support of the position that the Amended Complaint is insufficient to properly set forth a RICO claim on the basis that it lacks the requisite particularity. (Doc. # 46 at 11) First, the Midwest Defendants claim that the Amended Complaint fails to inform each Defendant of their alleged responsibility in the purported scheme. Id. In this regard, the Midwest Defendants claim that the Amended Complaint only identifies the alleged fraudulent conduct of the following individuals: Defendants Butzer, Flynt, Welsh, and Mayer. Id. Thus, the Midwest Defendants contend that Plaintiffs fail to set forth facts alleging the role played by Defendants Carson, Clabes, Denight, Midwest, USMR, and Wesley. Id. Next, the Midwest Defendants claim that the Amended Complaint fails to allege the predicate act of wire fraud with particularity. Id. The Midwest Defendants state that the “Amended Complaint describes only describes three telephone calls — all of which occurred with unknown individuals allegedly affiliated with Midwest.” Id. Accordingly, the Midwest Defendants state that the Amended Complaint lacks the specificity required to set forth the predicate act of wire fraud. Id. at 12. In reviewing the arguments set forth by the parties on this issue, the Court finds the Midwest Defendants’ Motion to be meritorious in part. Here, the Amended Complaint provides fair notice to only certain Defendants in compliance with Rule 9(b). As the Midwest Defendants recognize in their Motion to Dismiss, the Amended Complaint does set forth the alleged fraudulent conduct of Defendants Butzer, Flynt, Welsh, and Mayer. Id. at 11. Accordingly, the Amended Complaint adequately informs each of these Defendants of their alleged responsibility in the purported scheme. Furthermore, in order satisfy the predicate act requirement of the RICO statute, Plaintiffs need not allege that these Defendants were particularly involved in the telephone communications themselves. Rather, it is only required that the telecommunication be made in furtherance of the alleged fraudulent conduct. Thus, the Court finds Plaintiffs’ allegation that the telephone calls were a “step in the plot,” coupled with Plaintiffs’ specific allegations concerning the fraudulent conduct of these Defendants, to be sufficient to satisfy the pleading requirements of Rule 9(b). Likewise, the Court finds that Plaintiffs allege sufficient detail regarding the fraudulent conduct of Defendants Carson, Midwest, USMR, and Wesley. The Amended Complaint contains facts to demonstrate the alleged time, place, and content of their alleged misrepresentations; the overall fraudulent scheme; the fraudulent intent of these Defendants; and the injury Plaintiffs suffered as a result of the fraud. Plaintiffs allege that Defendant Carson, the CEO of Midwest, was the person who fraudulently signed the loan forms as the “EAP Independent Representative.” (Doc. # 17 at ¶ 27) Plaintiffs further allege that Defendant Carson played a role in enrolling Plaintiff Marylea Monroe in the EAP. Id. at ¶ 48. With respect to Defendants Midwest, USMR, and Wesley, the Amended Complaint states that Defendant Midwest, though its agents and representatives, gave Plaintiffs loans and in turn charged them dramatically higher interest rates, and fees than those originally promised; Defendant Midwest unnecessarily enrolled Plaintiffs in the EAP managed by Defendant USMR, using the EAP’s disclosures to misrepresent the actual loan terms; Defendant Midwest along with Defendant USMR used the EAP program to generate additional fees to Defendant Wesley, which acted as an agent of USMR by collecting fees for the EAP; Defendant Midwest made loans to Plaintiffs, knowing that the borrowers would be unable to repay; and Defendant Midwest solicited inflated appraisals of the homes securing the loans so that highly inflated fees could be charged and so that the loans could be sold to unsuspecting secondary market purchasers. Id. at ¶¶ 13, 27,161. In addition, Plaintiffs allege that these Defendants were associated for the purpose of engaging in an intentional course of conduct with the common motivation for improperly achieved profit. Id. at ¶ 116. This detail concerning Defendants Carson, Midwest, USMR, and Wesley fulfills the heightened pleading requirements. To the contrary, however, the Court finds that Plaintiffs fail to allege sufficient detail concerning the fraudulent conduct of Defendants Clabes and Denight in the Amended Complaint. Plaintiffs’ allegations that Defendant Clabes is “an executive vice-president of Midwest,” and that Defendant Denight is an employee of Midwest are insufficient to satisfy the applicable pleading requirements. Viewing the facts in the light most favorable to Plaintiffs, even if Defendants Clabes and Denight are officers and employees of Midwest respectively, their titles alone do not identify with particularity their alleged involvement in the scheme to defraud. Plaintiffs’ allegations in this regard do not serve to provide fair notice to these Defendants, such that they may prepare pleadings in response to the allegations of fraud. Therefore, the Court finds the Midwest Defendants’ argument that Plaintiffs fail to allege RICO predicate acts with the particularity required by Rule 9(b) meritorious only with respect to Plaintiffs’ claims against Defendants Clabes and Denight. Plaintiffs’ RICO claim is hereby dismissed with respect to those Defendants. 4. RICO Conspiracy Finally, Defendant USMR argues that Plaintiffs fail to properly plead a claim for conspiracy to commit a RICO violation. (Doc. # 38 at 10) Defendant USMR states that “[t]here is nothing— other than Plaintiffs’ bare conclusory allegations — that would show that USMR was either aware of, or consciously decided to enter into, a conspiracy.” Id. at 11. The conspiracy element of a RICO claim is generally said to be comprised of two agreements. United States v. Joseph, 835 F.2d 1149, 1152 (6th Cir.1987) (quoting United States v. Neapolitan, 791 F.2d 489, 499 (7th Cir.1986)). The first is “an agreement to conduct and participate in the affairs of an enterprise,” and the second is “an agreement to the commission of at least two predicate acts.” Id. Moreover, a defendant’s agreement to participate in the RICO conspiracy may be inferred from acts or conduct consistent with the existence of such a conspiracy. See United States v. Hughes, 895 F.2d 1135, 1141 (6th Cir.1990); see also Gagan v. American Cablevision, Inc., 77 F.3d 951, 961 (7th Cir.1996) (finding that a “RICO conspiracy, like all conspiracies, does not require direct evidence of agreement; an agreement can be inferred from the circumstances”) In this case, the Court finds Defendant USMR’s argument that Plaintiffs fail to properly plead a claim for conspiracy to commit a RICO violation to be without merit. Contrary to Defendant USMR’s contentions, Plaintiffs set forth more than bare conclusory allegations that, at the very least, tend to demonstrate that USMR was either aware of, or consciously decided to enter into, the conspiracy. Defendant USMR’s agreement to conduct and participate in the affairs of the enterprise may logically be inferred from Plaintiffs’ allegations that USMR managed the EAP, which it used in conjunction with the Midwest Defendants to misrepresent the actual loan terms. Furthermore, the Amended Complaint alleges that Defendant USMR, along with the Midwest Defendants used the EAP to generate additional fees to Defendant Wesley, which acted as an agent of USMR by collecting fees for the EAP. In this way, the Amended Complaint alleges specific facts that, if viewed in the light most favorable to Plaintiffs, demonstrate Defendant USMR’s voluntary involvement in the scheme. As to the second agreement necessary to allege a RICO conspiracy claim, the Court may infer an agreement to the commission of the predicate acts discussed in the previous subsection of this Memorandum Opinion and Order. Because the Court finds that Defendant USMR’s agreement to participate in the RICO conspiracy may be inferred from its acts or conduct consistent with the existence of such a conspiracy, the Court denies Defendant USMR’s Motion to Dismiss on this basis. B. Count II: Plaintiffs’ FHA Claim In Count II of the Amended Complaint, Plaintiffs bring a claim under the FHA, 42 U.S.C. § 3601 et seq. More specifically, Plaintiffs allege the following: Defendants have made housing unavailable to the Plaintiffs because of sex in violation of 42 U.S.C. § 3604(a), and have discriminated in the provision of services in connection with the brokering, appraising, maintaining, and provision of services in connection with dwellings, because of sex, in violation of 42 U.S.C. § 3604(b). Defendants actions have the impact of creating separate and/or unequal patterns of access to credit based in whole or in part on the sex of the borrower. By the actions described above, Defendants have discriminated against Plaintiffs because of sex in the making of real estate-related transactions in violation of 42 U.S.C. § 3606(a)-(b)(l) and (b)(2). (Doc. # 17 at ¶¶ 123-124) Both the Midwest Defendants and Defendant USMR generally move the Court to dismiss Plaintiffs’ FHA claim. The Court considers the FHA claim against the Midwest Defendants and Defendant USMR in turn. 1. FHA Claim Against the Midwest Defendants In their Motion to Dismiss, with the exception of Defendants Clabes and De-night who shall be discussed infra, the Midwest Defendants do not seek to dismiss Plaintiffs’ claim brought under 42 U.S.C. § 3605. (Doc. # 46 at 17) Section 3605 states: (a) In general It shall be unlawful for any person or entity whose business includes engaging in residential real estate-related transactions to discriminate against any person in making available such a transaction, or in the terms and conditions of such a transaction, because of race, color, religion, sex, handicap, familial status, or national origin. (b) “Residential real estate-related transaction” means any of the following: (1) The making or purchasing of loans or providing other financial assistance— (A) for purchasing, constructing, improving, repairing, or maintaining a dwelling; or (B) secured by residential real estate. (2) The 'selling brokering, or appraising of residential real property. 42 U.S.C. § 3605(a)-(b)(2). The Midwest Defendants do, however, seek dismissal of Plaintiffs’ claims brought pursuant to 42 U.S.C. § 3604. Id. That statute provides, in pertinent part, the following: [I]t shall be unlawful— (a) To refuse to sell or rent after the making of a bona fide offer, or to refuse to negotiate for the sale of, or otherwise make unavailable or deny, a dwelling to any person because of race, color, religion, sex, familial status, or national origin. (b) To discriminate against any person in the terms, conditions, or privileges of sale or rental of a dwelling, or in the provision of services or facilities in connection therewith, because of race, color, religion, sex, familial status, or national origin. 42 U.S.C. § 3604(a)-(b). The Midwest Defendants argue that Plaintiffs’ FHA claims fail because there was no sale or rental of a dwelling, as required the statute. (Doc. #46 at 17) The Midwest Defendants assert that the Amended Complaint contains only allegations that they refinanced homes which Plaintiffs already owned. Id. at 18. Accordingly, these Defendants argue that “[r]egardless of how oppressing Plaintiffs claim the terms of the loans to be, the fact remains that there was no ‘sale’ of the home.” Id. Alternatively, the Midwest Defendants argue that even if the terms of § 3604 apply to refinancing that causes a homeowner to lose ownership of the dwelling, Plaintiffs have failed to allege such facts within the context of the Amended Complaint. Id. at 20. In response, Plaintiffs argue that they have properly stated a claim that the Midwest Defendants discriminate against women under the FHA by deliberately targeting women for predatory loans. (Doc. # 52 at 3) The basis for Plaintiffs’ argument involves practices referred to as “redlining” and “reverse redlining.” Id. at 3-12. Plaintiffs explain that redlining is “the imposition of barriers to occupancy in the form of higher mortgage-interest rates or refusals to make loans in connection with housing.” Id. at 5 (quoting Laufman v. Oakley Bldg. & Loan, Co., 408 F.Supp. 489, 496 (S.D.Ohio 1976)). With respect to reverse redlining, Plaintiffs state that while “[r]edlining is the practice of denying the extension of credit to specific geographic areas due to the income, race, or ethnicity of its residents.... [rjeverse redlining is the practice of extending credit on unfair terms to those same communities.” Id. at 7-8 (quoting United Cos. Lending Corp. v. Sargeant, 20 F.Supp.2d 192, 203 n. 5 (D.Mass.1998)). In this case, Plaintiffs argue that Defendants’ conduct constitutes reverse redlining because they extended loans designed to fail and easily result in loss of Plaintiffs’ homes which, in turn, makes housing unavailable within the meaning of § 3604(a). Id. at 8. Similarly, Plaintiffs contend that Defendants’ conduct violates § 3604(b) because “they target females for predatory loans that impose onerous, and often fraudulent, terms and conditions — including excessive interest rates, excessive charges, and balloon payments.” Id. On this basis, Plaintiffs urge this Court to deny the Midwest Defendants’ Motion to Dismiss. Upon thorough review of the arguments as set forth by the parties, the Court finds there to be two relatively narrow issues involved in resolving the Motion to Dismiss filed by the Midwest Defendants as it applies to Plaintiffs’ § 3604 claims. The first issue before the Court is whether the phrase “[to] otherwise make unavailable” in § 3604(a) applies to the conduct alleged in the instant case, which requires the language to extend beyond the actual sale or rental of a dwelling. Here, Plaintiffs suggest that this Court adopt an approach concerning this language that would permit it to encompass the refinancing of a home mortgage on previously owned property. The second issue before the Court is if the facts as alleged by Plaintiffs violate § 3604(b)’s prohibition on discrimination “against any person in the terms, conditions, or privileges of sale or rental of a dwelling, or in the provision of services or facilities in connection therewith” on the basis of sex. The Court now examines these issues respectively. a. “Unavailability” pursuant to § 3604(a) The United States District Court for the Southern District of Ohio addressed a similar issue in a case entitled Laufman, et al. v. Oakley Building & Loan Co., et al., 408 F.Supp. 489 (S.D.Ohio 1976). In that case, the plaintiffs urgéd the court to find that “ § 3604(a) not only prohibits conduct constituting a refusal to sell or rent, but also conduct that ‘otherwise make(s) (dwellings) unavailable.’ ” Laufman, 408 F.Supp. at 492 (alterations in original). The plaintiffs argued that the “otherwise make unavailable” language applied to a variety of discriminatory conduct, not merely conduct related to the refusal to sell or rent a dwelling. Id. Conversely, the court characterized the argument set forth by the defendants as follows: Defendants contend that only § 3605 is applicable as that provision specifically governs financing in housing. Reliance on § 3604, which principally concerns the sale or rental of housing, they argue, violates the principal that a specific statutory provision controls a general provision. Defendants buttress their position by reference to the title of § 3604, ‘Discrimination in the sale or rental of housing,’ as contrasted with the title of § 3605, ‘Discrimination in the financing of housing.’ Id. at 492. Thus, the defendants argued that situations that relate to financing are limited to review only under the specific financing provision contained in § 3605. Ultimately, the Laufman Court found the plaintiffs’ more liberal reading of the statute to be most favorable. In reaching this conclusion, the court noted that § 3604 has been extended to various types of situations beyond discrimination in the sale or rental of housing. Id. Furthermore, the court stated that “ § 3605 governs financial arrangements which lie beyond the coverage of § 3604, no matter how broadly § 3604 is read, as well as certain financial arrangements which would appear to come within § 3604’s literal terms.” Id. at 493. The court specified that the type of transactions that would fall outside the scope of § 3604 would be financial assistance requested, for example, for the purpose of “improving, repairing, or maintaining a dwelling, which the owner or occupant previously acquired.” Id. Because the transaction at issue involved a loan in connection with the sale of a dwelling, the court found that the denial of a loan under the circumstances, given the high cost of housing, would effectively make housing “unavailable” within the meaning of § 3604. Id. The Sixth Circuit considered an analogous matter in the case of Nationwide Mutual Insurance Co. v. Cisneros, 52 F.3d 1351 (1995). There, the court was faced with the issue of whether § 3604(a) and/or (b) governed the issuance and cancellation of property insurance policies. Cisneros, 52 F.3d at 1356. The court rejected the plaintiffs’ argument that the phrase “otherwise make unavailable or deny” does not include any circumstances that do not directly affect the availability of housing. Id. at 1357. In doing so, the Court agreed with the decision in N.A.A.C.P. v. American Family Mutual Insurance Co., 978 F.2d 287, 298 (7th Cir.1992), which held that the provisions in § 3604 and § 3605 overlap and are not mutually exclusive. Id. The Court found that “the availability of property insurance has a direct and immediate affect on a person’s ability to obtain housing” and that, despite the assertions of property insurers otherwise, the FHA governs the business of property insurance. Id. at 1355-60. Aside from the Laufman case and the Cisneros case, Plaintiffs fail to direct this Court to, and this Court is unaware of any, cases in this Circuit which shed light on the applicability of § 3604 to facts such as those contained in the instant case. As such, the Midwest Defendants urge this Court to look to persuasive authority addressing this issue. (Doc. # 46 at 18) The Midwest Defendants first direct this Court to Thomas v. First Federal Savings Bank of Indiana, 653 F.Supp. 1330, 1337 (N.D.Ind.1987). In Thomas, the plaintiffs alleged a violation of § 3604 based upon the defendants’ refusal to grant the plaintiffs a second mortgage on their previously owned home. Id. Based upon the fact that the plaintiffs’ claim involved financing for previously owned property, the court found that the claim was improperly brought under § 3604. Id. Instead, the court found that plaintiffs’ claim was properly brought only under § 3605, “which deals specifically with the availability of financing for such purposes as improving and repairing already-acquired property.” Id.; see also Evans v. First Fed. Sav. Bank of Indiana, 669 F.Supp. 915, 923 (N.D.Ind.1987) (finding that applicants seeking a equity loan on their previously owned home in order to purchase an automobile and a college education failed to state a claim for a violation of the FHA). Likewise, Defendants point to the case of Kloth v. Citibank, N.A., 33 F.Supp.2d 115, 122 (D.Conn.1998) to support their contention that the § 3604 claim against them fails to state a claim upon which relief can be granted. In that case, a credit card holder brought an action against a credit card issuer alleging, inter alia, a claim under the FHA. Id. The credit card holder alleged that “the defendant’s harassment with collection agencies and discrimination prevented the plaintiff and her family from obtaining a roof over their heads for over a year.” Id. (internal quotations omitted). Finding that such a claim is not covered by the FHA, the court granted the defendant’s motion to dismiss the cause of action. Id. In reviewing these decisions in conjunction with the statutory language of § 3604 and § 3605, the Court is compelled to follow the Cisneros decision to the extent that the Sixth Circuit found that these provisions are not mutually exclusive. Under Cisneros, it is clear that certain conduct can make housing unavailable under § 3604, while at the same time impinging upon the dictates of § 3605. Consistent with this rationale, the Court finds the Midwest Defendants’ argument that Plaintiffs’ claim fails because there was no literal “sale or rental” of a “dwelling” to be without merit. It is clear under the relevant case law that such a literal sale or rental is not required by § 3604. What is left for the Court to determine, then, is whether the conduct alleged in the instant action constitutes that which would fall under both § 3604 and § 3605. In considering this issue, the Court finds it necessary to address Plaintiffs’ argument that the mortgage industry is analogous to the insurance industry with respect to the applicability of § 3604 to redlining and reverse redlining practices. (Doc. # 52 at 4-6) In referencing Cisneros and numerous other cases, Plaintiffs quote the following language in explanation, “No insurance, no loan; no loan, no house; lack of insurance thus makes housing unavailable [under 3604(a) ].” Id. at 5 (quoting N.A.A.C.P. v. American Family Mut. Ins. Co., 978 F.2d 287, 297 (7th Cir.1992)). Critical to the Sixth Circuit’s decision in Cisneros, however, was the fact that the court found the FHA to be ambiguous as it applies to property insurers. Cisneros, 52 F.3d at 1360. Here, Plaintiffs fail to demonstrate that the FHA is likewise ambiguous with respect to financial assistance in the context of previously owned homes. Rather, what Plaintiffs’ argument fails to address is that the plain language of § 3605 exists for the purpose of prohibiting redlining and reverse redlining in lending for previously owned homes, which does not by its language reach those practices in the context of the insurance industry. Furthermore, allegations of insurance redlining and reverse redlining often occur in connection with sale of a dwelling, which clearly place such scenarios within the purview of § 3604(a), as was the case with the home mortgage loan in Laufman. The Court finds the decision in Lauf-man to be noteworthy to the extent that it held that the type of transactions that fall outside the scope of § 3604 would be for the purposes of “maintaining a dwelling, which the owner or occupant previously acquired.” Laufman, 408 F.Supp. at 498. Like the court in Thomas, the Laufman court ruled that such claims are most properly brought within the ambit of § 3605. In this case, Plaintiffs do not dispute that they owned their homes prior to the refinancing at issue. Plaintiffs, however, point to several cases in which courts have construed the “otherwise make unavailable” language quite broadly. (Doc. # 52 at 4 (citing Hanson v. Veterans Admin., 800 F.2d 1381, 1386 (5th Cir.1986)) (holding that discriminatory appraisals violate § 3604(a) because they “may effectively prevent blacks from purchasing or selling a home for its fair market value”); Reeves v. Carrollsburg Condo Ass’n, 1997 U.S. Lexis 21762, 1997 WL 1877201 (D.D.C.1997) (protections of § 3604(a) extend to racial harassment of one condo owner by another); Williams v. Poretsky Mgmt., 955 F.Supp. 490 (D. Md.1996) (same holding with respect to sexual harassment)). In addition, Plaintiffs argue that: [e]ven where it does not literally make specific housing ‘unavailable,’ Defendants’ reverse redlining violates § 3604(a) because it constitutes the type of adverse treatment that is based on sex. Defendants’ predatory loan scheme adversely affects its victims not just by taking housing away through the greatly increased risk of foreclosure, but also by imposing terms and conditions that reduce or limit an individual’s ability to use and enjoy the housing. The most significant burden is caused by the exorbitant monthly payments on the loans which force Plaintiffs to divert funds which would otherwise be available for needed repairs and maintenance. Plaintiffs are unable to benefit from other financial advantages that the equity in the house might otherwise afford. Id. at 9. The Court finds no basis for such a finding in the relevant case law. To the contrary, research of the relevant cases indicates that courts expanding the “otherwise unavailable” language under this theory have generally done so in light of the ambiguity of the FHA to insurance coverage. For example, in Lindsey v. Allstate Insurance Co., 34 F.Supp.2d 636, 642 (W.D.Tenn.1999), the case which is referred to in this context by Plaintiffs, the court stated that “[t]he FHA would provide little vindication to the policy of nondiscrimination in housing if it prohibited property insurers from discriminating against individuals seeking a home, but then subsequently gave property insurers free reign to discriminate in the renewal of property insurance to the same individuals.” Id. Such is not the case with home mortgages. It clear that § 3604 relates to acquiring a home, while § 3605 applies to the making or purchasing of loans or providing other financial assistance for maintaining a dwelling previously acquired. Based upon the foregoing, the Court finds that while § 3604(a) applies to transactions beyond the literal sale or rental of a dwelling, it is inapplicable to the facts and circumstances of the instant matter. The circumstances presented here fit squarely within the provisions of § 3605 and, as such, the Midwest Defendants’ Motion to Dismiss is granted to the extent that Plaintiffs attempt to bring that claim pursuant to § 3604(a). b. Discrimination in Terms and Conditions pursuant to § 3604(b) Plaintiffs also make the argument that redlining and reverse redlining violate § 3604(b). (Doc. # 52 at 6). In making this argument, Plaintiffs examine a litany of cases that hold a claim is actionable under § 3604(b) if the defendant’s conduct unreasonably interferes with the use or enjoyment of the property because of race, color, religion, sex, familial status, or national origin. Id. at 9-12. As with § 3604(a), the Court finds Plaintiffs’ argument in this regard to be without merit. As the Court stated in the previous subsection of this Memorandum Opinion and Order, the cases referenced by Plaintiffs are not controlling, nor do they present facts a