Carter Fields, an individual; Hannah Hipps, an individual v. Hench's Country Liv'n Homes of Calera; Jessup Housing; Crown Contracting, LLC; 21st Mortgage Corporation; Austin Rupp, an individual; Stephen Stubbs, an individual

CourtDistrict Court, E.D. Oklahoma
DecidedJanuary 13, 2026
Docket6:23-cv-00372
StatusUnknown

This text of Carter Fields, an individual; Hannah Hipps, an individual v. Hench's Country Liv'n Homes of Calera; Jessup Housing; Crown Contracting, LLC; 21st Mortgage Corporation; Austin Rupp, an individual; Stephen Stubbs, an individual (Carter Fields, an individual; Hannah Hipps, an individual v. Hench's Country Liv'n Homes of Calera; Jessup Housing; Crown Contracting, LLC; 21st Mortgage Corporation; Austin Rupp, an individual; Stephen Stubbs, an individual) is published on Counsel Stack Legal Research, covering District Court, E.D. Oklahoma primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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Carter Fields, an individual; Hannah Hipps, an individual v. Hench's Country Liv'n Homes of Calera; Jessup Housing; Crown Contracting, LLC; 21st Mortgage Corporation; Austin Rupp, an individual; Stephen Stubbs, an individual, (E.D. Okla. 2026).

Opinion

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF OKLAHOMA

(1) CARTER FIELDS, an individual; ) (2) HANNAH HIPPS, an individual, ) ) Plaintiffs, ) v. ) ) (1) HENCH'S COUNTRY LIV'N HOMES ) OF CALERA; ) (2) JESSUP HOUSING; ) (3) CROWN CONTRACTING, LLC; ) (4) 21st MORTGAGE CORPORATION; ) (5) AUSTIN RUPP, an individual; ) (6) STEPHEN STUBBS, an individual, ) ) Defendants, ) Case No. 6:23-cv-372-JAR and ) ) (1) CROWN CONTRACTING, LLC; ) (2) 21st MORTGAGE CORPORATION, ) ) Cross-Claimants, ) v. ) ) (1) STEPHEN STUBBS, an individual; ) (2) HENCH'S COUNTRY LIV'N HOMES ) OF CALERA, ) ) Cross-Defendants. )

OPINION AND ORDER Before the Court is the motion for judgment on the pleadings filed by defendants Hench's Country Liv'n Homes of Calera ("Hench's") and Austin Rupp ("Rupp") pursuant to Fed. R. Civ. P. 12(c). [Dkt. 198]. Plaintiffs timely responded in opposition [Dkt. 201], and defendants submitted a reply brief [Dkt. 211]. "A motion for judgment on the pleadings under Rule 12(c) is treated as a motion to dismiss under Rule 12(b)(6)." Atl. Richfield Co. v. Farm Credit Bank of Wichita, 226 F.3d 1138, 1160 (10th Cir. 2000). "To survive a motion to dismiss under Rule

12(b)(6), a complaint must contain 'enough facts to state a claim to relief that is plausible on its face.'" Schrock v. Wyeth, Inc., 727 F.3d 1273, 1280 (10th Cir. 2013) (quoting Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570 (2007)). "A claim has facial plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable inference that that defendant is liable for the misconduct alleged." Aschroft v. Iqbal, 556 U.S. 662, 678 (2009). When applying this standard, courts must accept as true well-pleaded factual allegations and then ask whether those facts state

a plausible claim for relief. See id. at 679. Allegations that state "legal conclusions" or "[t]hreadbare recitals of the elements of a cause of action" "are not entitled to the assumption of truth." Id. at 678-79. I. BACKGROUND 1. Plaintiffs initiated this action on September 18, 2023 in the District Court of Bryan County, Oklahoma against defendants Hench's, Rupp, Jessup

Manufactured Housing LLC ("Jessup"), Crown Contracting LLC ("Crown"), and 21st Mortgage Corporation ("21st Mortgage"), alleging defects in the mobile home purchased from Hench's, manufactured by Jessup, installed by Crown, and financed by 21st Mortgage. [Dkt. 2-3].1

1 For clarity and consistency herein, when the Court cites to the record, it uses the pagination and document numbers provided by CM/ECF. 2. On October 27, 2023, defendants removed the action to this Court pursuant to 28 U.S.C. § 1331 [Dkt. 2]. By express consent of all parties [Dkt. 48], and in accordance with Fed. R. Civ. P. 73(a) and 28 U.S.C. § 636(c)(1), the undersigned

United States Magistrate Judge exercises complete jurisdiction over this matter through and including trial and entry of a final judgment. 3. Plaintiffs filed a First Amended Complaint ("Amended Complaint") on March 4, 2024, adding defendant Stephen Stubbs ("Stubbs") and asserting seven causes of action: fraud and deceit against Hench's, Rupp, and 21st Mortgage (Count I); breach of contract against Hench's, Rupp, and 21st Mortgage (Count II); breach of warranty against Hench's, Jessup, and 21st Mortgage (Count III); negligence against

Hench's, Jessup, Crown, Stubbs, and 21st Mortgage (Count IV); violations of the Oklahoma Consumer Protection Act ("OCPA"), 15 O.S. § 751 et seq., against Hench's, Rupp, Jessup, Crown, Stubbs, and 21st Mortgage (Count V); unjust enrichment against Hench's, Rupp, Jessup, and 21st Mortgage (Count VI);2 and violations of the Magnuson-Moss Warranty Act, 15 U.S.C. § 2301 et seq., against Hench's, Jessup, and 21st Mortgage (Count VII). [Dkt. 56, ¶¶ 62-113].

4. On January 6, 2025, Jessup moved to dismiss Counts IV, V, VI and part of Count III. [Dkt. 156]. By Order entered September 18, 2025, the Court granted that motion in part, dismissing Count V as well as Count III insofar as it alleged breach of implied warranty of fitness for a particular purpose against Jessup. [Dkt.

2 On March 24, 2025, the Court granted plaintiffs' request to voluntarily dismiss Count VI as to defendant 21st Mortgage. [Dkt. 166]. 196]. The Court further permitted plaintiffs to seek leave to file a Second Amended Complaint, subject to specified limitations. [Id. at 14-15]. 5. Hench's and Rupp filed the motion at issue on September 30, 2025, seeking judgment on the pleadings as to Counts III, IV, V, VI, and VII. [Dkt. 198].

6. Plaintiffs filed a motion seeking leave to amend on October 2, 2025, and attached a proposed Second Amended Complaint thereto. [Dkt. 199]. By Order entered January 5, 2026, the Court denied leave to amend based on, inter alia, plaintiffs' failure to comply with the limitations set forth in its prior Order. [Dkt. 217]. II. ANALYSIS Defendants Hench's and Rupp seek Rule 12(c) dismissal of plaintiffs' claims for

breach of warranty (Count III), negligence (Count IV), violation of the OCPA (Count V), unjust enrichment (Count VI), and violation of the Magnuson-Moss Warranty Act (Count VII). The Court addresses the challenged counts in the sequence adopted in plaintiffs’ response; however, because the viability of the Magnuson-Moss claim in Count VII depends in part on whether plaintiffs have adequately stated claims for breach of warranty in Count III, the Court begins with plaintiffs’ warranty theories.

A. VIOLATIONS OF THE OCPA | COUNT V "The OCPA was enacted to protect consumers from unfair and deceptive trade practices and," to that end, "provides a private right of action for aggrieved consumers." Williams v. CSC Credit Servs., Inc., No. CIV-07-255-CVE-FHM, 2007 WL 1959219 at *1 (N.D. Okla. June 29, 2007) (citing Patterson v. Beall, 2000 OK 92, ¶ 30, 19 P.3d 839, 846). To state a claim under the OCPA, a plaintiff must show: (1) that the defendant engaged in an unlawful practice as defined by 15 O.S. § 753; (2) that the challenged practice occurred in the course of the defendant's business; (3) that the plaintiff, as a consumer, suffered an injury in fact; and (4) that the challenged practice caused the plaintiff's injury. Patterson, ¶ 30, 19 P.3d at 846. Here, Hench's and Rupp challenge the viability of Count V based on a purported failure to plead facts establishing an "unlawful practice" under § 753, and the regulated-transactions exemption under § 754. 1. Purported Unlawful Practices The threshold question is which of § 753's thirty-two provisions plaintiffs' allegations implicate. The Amended Complaint alleges that Hench's and Rupp violated the OCPA by engaging in "unfair and deceptive trade practices" within the meaning of § 753(21). [Dkt. 56, ¶ 99 (citing 15 O.S.

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Carter Fields, an individual; Hannah Hipps, an individual v. Hench's Country Liv'n Homes of Calera; Jessup Housing; Crown Contracting, LLC; 21st Mortgage Corporation; Austin Rupp, an individual; Stephen Stubbs, an individual, Counsel Stack Legal Research, https://law.counselstack.com/opinion/carter-fields-an-individual-hannah-hipps-an-individual-v-henchs-oked-2026.