MONTGOMERY, Ala. - A federal judge in Alabama on Oct. 17 dismissed a couple's claims that a bank and a loan servicer violated the Real Estate Settlement Procedures Act (RESPA) and Fair Debt Collection Practices Act (FDCPA) when obtaining force-placed flood insurance for their property after finding that the plaintiffs failed to state a claim under Federal Rule of Civil Procedure 12(b)(6) (Reginald Rex Davis Jr., et al. v. Bank of America, N.A., et al., No. 13-cv-231-WC, M.D. Ala.; 2013 U.S. Dist. LEXIS 149228).