With no explanation, chose the best option from "A", "B", "C" or "D". of Dodd-Frank delayed the effective date of Title XIV of the Act. Dodd-Frank, Pub. Law No. 111-203, § 1400(c); 124 Stat. 1376, 2136. Thus, the Dodd-Frank changes and resulting regulations are not relevant to this case. 6 . As discussed above, Dodd-Frank made changes to RESPA, including reducing this period to 30 days. Dodd-Frank, Pub. Law No. 111-203, § 1463; 124 Stat. 1376, 2184. As the QWR in this case was sent in January of 2011 and Dodd-Frank was enacted in July of 2010, one might think that Chase should have responded within 30, rather than 60, days. However, § 1400(c) of Dodd-Frank delayed the effective date of Title XIV of the Act and with it, this 60-day to 30-day change. Dodd-Frank, cv-13622, 2011 WL 5375375, *2-3, 2011 U.S. Dist. LEXIS 128455, *8 (E.D.Mich. Nov. 7, 2011) (<HOLDING>). In any case, decisions from other district

A: holding that plaintiffs failure to respond to argument warranted dismissal with prejudice
B: holding that failure to respond in accord with  2605e2a b or c is a single respa violation because the statute provides a servicer with disjunctive response options not that a servicer has unfettered discretion in how to respond
C: holding that unable to respond constitutes no response
D: holding that noaction clause barred suit against servicer for negligence
B.