PHILADELPHIA - A federal judge in Pennsylvania's decision to deny final approval of a settlement for a class of African-American and Hispanic borrowers who were allegedly charged higher fees and costs when obtaining a mortgage loan was affirmed Aug. 12 by a panel of the Third Circuit U.S. Court of Appeals that said that the judge did not err in finding that the settlement class lacked commonality and typicality following the U.S. Supreme Court's ruling in Wal-Mart v. Dukes (131 S. Ct. 2541 $(2011$)) (John Rodriguez, et al. v. National City Bank, et al., No. 11-8079, 3rd Cir.; 2013 U.S. App. LEXIS 16615).