Harriet and Joseph Abruscato demanded a refund of unearned premium for their private mortgage insurance (PMI) when they paid off their home loan early. But their loan servicer, Wells Fargo, said no, and they countered with a complaint invoking the Homeowners Protection Act.Ruling on a question of first impression, U.S. District Judge Franklin U. Valderrama concluded that the Abruscatos alleged a valid claim against Wells Fargo and the mortgagee under the HPA. Abruscato v. Wells Fargo Bank, No. 21 CV 00012 (March 16, 2022 …