Nathan Harris, et al. v. Encore Bancshares, Inc.

District Court, M.D. Tennessee·Decided July 29, 2026·No. 3:24-cv-01316·Unknown

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF TENNESSEE NASHVILLE DIVISION

NATHAN HARRIS, et al., ) ) Plaintiffs, ) ) v. ) NO. 3:24-cv-01316 ) ENCORE BANCSHARES, INC., ) JUDGE RICHARDSON ) Defendant. ) ) ) )

MEMORANDUM OPINION AND ORDER

Pending before the Court is the motion for summary judgment (Doc. No. 66, “Motion”) filed by Defendant, Encore Bancshares, Inc. The Motion is supported by an accompanying memorandum of law (Doc. No. 67, “Memorandum”) and a statement of facts, which is comprised of 74 purportedly material and undisputed facts (Doc. No. 68, “Statement of Facts”). Plaintiffs have filed responses (Doc. Nos. 69, 70, “Responses”) in opposition to the Motion and a response (Doc. No. 71, “Statement of Facts Response”) to the Statement of Facts.1 Defendant filed a reply (Doc. No. 76, “Reply”) in further support of the Motion.

1 Notably, Plaintiffs’ Statement of Facts Response also includes a “Statement of Additional Material Facts” (Doc. No. 71 at 35-51, “Statement of Additional Material Facts”), which Defendant filed a response to (Doc. No. 78). But the Local Rules applicable here plainly do not contemplate a nonmovant opposing a motion for summary judgment by filing a statement of additional material facts, as Plaintiffs (being the nonmovant with respect to the Motion) have done. It is true that the 2020 Local Rules permitted a nonmovant facing a motion for summary judgment to file a statement of additional material facts. 2020 LR 56.01(c)(3). However, on May 15, 2025, over nine months before Defendant filed the Motion, the 2020 Local Rules were amended (for very good reason) to remove such permission. That is, the amended 2025 Local Rules—which are currently in effect and were in effect at the time that Defendant moved for summary judgment and at the time that Plaintiffs filed their Statement of Facts Response, which includes the Statement of Additional Material Facts—omit any mention of a nonmovant to a summary judgment motion filing a statement of additional material facts, like Plaintiffs did. Even though Plaintiffs’ Statement of Additional Material Facts is not contemplated by the current version of the Local Rules, this Court has, at times, permitted parties engaged in briefing on a motion for summary For the reasons described herein, the Motion is DENIED. BACKGROUND The instant action was brought by several of Defendant’s former employees and their spouses, who allege that Defendant took various wrongful actions after the termination of their

respective employment relationships with Defendant. (Doc. No. 1-2 at ¶ 10, “Complaint”). Plaintiffs bring claims for “Violation of the Truth in Lending Act and Regulation Z 15 U.S.C. § 1601 And 12 C.F.R. § 1206” (Count I) (Doc. No. 1-2 at ¶¶ 86-98), “Violation of the Tennessee Securities Act of 1980” (Count II) (id. at ¶¶ 99-107), conversion (Count III) (id. at ¶¶ 108-112), and unjust enrichment (Count IV) (id. at ¶¶ 113-118). Via the Motion, Defendant asks the Court to “grant the Motion for Summary Judgment as to all claims and dismiss this matter in its entirety with prejudice and enter Judgment in favor of Defendant[.]” (Doc. No. 66 at 2).

LEGAL STANDARD Summary judgment is appropriate where there is no genuine issue as to any material fact and the movant is entitled to judgment as a matter of law. Fed. R. Civ. P. 56(a). “By its very terms, this standard provides that the mere existence of some alleged factual dispute between the parties will not defeat an otherwise properly supported motion for summary judgment; the requirement is that there be no genuine issue of material fact.” Anderson v. Liberty Lobby, Inc., 477 U.S. 242,

judgment to file certain types of statements of facts that are not expressly contemplated by the Local Rules if those statements of facts are actually helpful to the Court in deciding the underlying motion for summary judgment. Cf. Lopez v. Metro. Gov’t of Nashville & Davidson Cnty., 646 F. Supp. 2d 891, 906 (M.D. Tenn. 2009) (declining to strike additional statements of facts filed in connection with summary judgment motions that were not expressly contemplated by the Local Rules where the at-issue “statements amplif[ied] the issues [in the case] and, for the most part, were filed in an effort to contradict statements made in the opponents’ statements of undisputed facts.”). Finding that Plaintiffs’ Statement of Additional Material Facts would not be helpful to the Court in deciding the Motion, the Court declines to consider Plaintiffs’ Statement of Additional Material Facts. 247-48 (1986).2 In other words, even if genuine, a factual dispute that is irrelevant under applicable law is of no value in defeating a motion for summary judgment. See id. at 248. On the other hand, “summary judgment will not lie if the dispute about a material fact is ‘genuine[.]’” Id. The party bringing the summary judgment motion has the initial burden of identifying

portions of the record that demonstrate the absence of a genuine dispute over material facts. Pittman v. Experian Info. Sols., Inc., 901 F.3d 619, 627-28 (6th Cir. 2018) (quoting Celotex Corp. v. Catrett, 477 U.S. 317, 323 (1986)). If the summary judgment movant meets its initial burden, then in response the non-moving party “must set forth specific facts showing that there is a genuine issue for trial.” Pittman, 901 F.3d at 628 (quoting Anderson, 477 U.S. at 250).3 Importantly, “[s]ummary judgment for a defendant [that has met its initial burden as the movant] is appropriate when the plaintiff ‘fails to make a showing sufficient to establish the existence of an element essential to [her] case, and on which [she] will bear the burden of proof at trial.’” Cleveland v. Pol’y Mgmt. Sys. Corp., 526 U.S. 795, 805–06 (1999) (quoting Celotex, 477 U.S. at 322). See also Overstreet v. Lexington-Fayette Urb. Cnty. Gov’t, 115 F. App’x 806, 811 (6th Cir. 2004)

(“The non-moving party may not rely on mere allegations and assertions in his pleadings, but rather must present specific facts that show that there is some material issue warranting a trial. If the non-moving party cannot meet this burden, summary judgment is appropriate.” (citing Nichols v. Moore, 2004 WL 2039356, at *3 (E.D. Mich. Sept. 3, 2004))). As noted above, where there is a genuine dispute as to any material fact, summary judgment is not appropriate. Hostettler v. College of Wooster, 895 F.3d 844, 852 (6th Cir. 2018). The court determines whether sufficient evidence has been presented to make the issue of fact a proper jury

2 The Court provides below an analysis of just what constitutes a “material” fact.

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Nathan Harris, et al. v. Encore Bancshares, Inc., (M.D. Tenn. 2026).

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