To: | American Home Mortgage Servicing, Inc. (clkiedrowski@jonesday.com) |
Subject: | U.S. TRADEMARK APPLICATION NO. 85536481 - HOMEWARD LENDING - 693568655019 |
Sent: | 5/17/2012 2:41:42 PM |
Sent As: | ECOM108@USPTO.GOV |
Attachments: | Attachment - 1 Attachment - 2 Attachment - 3 Attachment - 4 Attachment - 5 Attachment - 6 Attachment - 7 Attachment - 8 Attachment - 9 Attachment - 10 |
UNITED STATES PATENT AND TRADEMARK OFFICE (USPTO)
OFFICE ACTION (OFFICIAL LETTER) ABOUT APPLICANT’S TRADEMARK APPLICATION
APPLICATION SERIAL NO. 85536481
MARK: HOMEWARD LENDING
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CORRESPONDENT ADDRESS: |
CLICK HERE TO RESPOND TO THIS LETTER: http://www.gov.uspto.report/trademarks/teas/response_forms.jsp
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APPLICANT: American Home Mortgage Servicing, Inc.
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CORRESPONDENT’S REFERENCE/DOCKET NO: CORRESPONDENT E-MAIL ADDRESS: |
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TO AVOID ABANDONMENT OF APPLICANT’S TRADEMARK APPLICATION, THE USPTO MUST RECEIVE APPLICANT’S COMPLETE RESPONSE TO THIS LETTER WITHIN 6 MONTHS OF THE ISSUE/MAILING DATE BELOW.
ISSUE/MAILING DATE: 5/17/2012
Specifically, applicant must address the following:
· Section 2(d) refusal;
· Identification / classification requirement; and
· Disclaimer.
Refusal – Likelihood of Confusion
Comparing the Marks
The marks are compared in their entireties under a Trademark Act Section 2(d) analysis. See TMEP §1207.01(b). Nevertheless, one feature of a mark may be recognized as more significant in creating a commercial impression. Greater weight is given to that dominant feature in determining whether there is a likelihood of confusion. In re Nat’l Data Corp., 753 F.2d 1056, 224 USPQ 749 (Fed. Cir. 1985); Tektronix, Inc. v. Daktronics, Inc., 534 F.2d 915, 189 USPQ 693 (C.C.P.A. 1976); In re J.M. Originals Inc., 6 USPQ2d 1393 (TTAB 1987); see TMEP §1207.01(b)(viii), (c)(ii).
Here, the literal portion of applicant’s mark is “HOMEWARD LENDING”. Registrant’s mark is “ZERO-DOWN HOMEWARD BOUND” with a disclaimer of “ZERO-DOWN”. The marks are similar because they both contain the dominant term “HOMEWARD”.
Applicant’s mark deletes the wording “ZERO-DOWN” (which, as disclaimed matter, is less significant or dominant in creating a commercial impression. See In re Viterra Inc., 671 F.3d 1358, 1362, 101 USPQ2d 1905, 1908 (Fed. Cir. 2012); TMEP §1207.01(b)(viii), (c)(ii)) and “BOUND” from the registrant’s mark.
Applicant’s addition of the descriptive term “LENDING” and the design element does not obviate the similarities between the marks. Descriptive or generic matter is typically less significant or less dominant in relation to other wording in a mark. See In re Chatam Int’l Inc., 380 F.3d 1340, 1342-43, 71 USPQ2d 1944, 1946 (Fed. Cir. 2004); In re Binion, 93 USPQ2d 1531, 1534 (TTAB 2009). Likewise, designs are generally much less important in creating a memorable commercial impression than wording. In re Dakin’s Miniatures, Inc., 59 USPQ2d 1593, 1596 (TTAB 1999); TMEP §1207.01(c)(ii); see In re Viterra Inc., 671 F.3d 1358, 1362, 101 USPQ2d 1905, 1908, 1911 (Fed. Cir. 2012) (citing CBS Inc. v. Morrow, 708 F. 2d 1579, 1581-82, 218 USPQ 198, 200 (Fed. Cir 1983)).
Consumers are likely to assume that “HOMEWARD” marks emanate from a single source as this term is the only non-descriptive portion of applicant’s mark. The registrant’s mark contains two terms that are non-descriptive, “HOMEWARD” and “BOUND”. Attached definitional evidence shows that “BOUND” means “on the way to,” and accordingly, gives the meaning to registrant’s mark that indicates being on the way “HOMEWARD”. Accordingly, “HOMEWARD” is the dominant feature of registrant’s mark. As both marks have the same word as the dominant feature, the commercial impression of the marks is that they originate from the same or related sources.
Thus, a comparison of the marks shows that they are similar.
Comparing the Services
Here, applicant’s identification of services lists:
International Class 035: Matching borrowers with potential lenders in the field of consumer and mortgage lending.
International Class 036: Mortgage banking services, namely, servicing, sub-servicing and special servicing of mortgage loans; financial services related to mortgages and home loans for home owners and loan investors; mortgage lending services; origination, acquisition, securitization and brokerage of mortgage loans; consumer lending services; financial services in the field of lending money; real estate lending services; mortgage banking services, namely, residential mortgage lending and the purchase and sale of residential mortgage loans and related assets; mortgage brokerage; providing home purchase loans; mortgage foreclosure services; mortgage debt management; services related to real estate owned properties (REO), mortgage settlement services, appraisal and valuation services and trustee services; Internet-based mortgage banking services; providing an Internet web portal for servicing mortgage loans and for investors; mortgage refinancing; providing information related to and connecting consumers with insurance service providers, including home warranty programs, accidental death insurance and disaster insurance; home retention assistance; consulting services related to mortgages and mortgage servicing; management of loan portfolios for investors.
Registrant’s identification of services lists “banking services” in International Class 036.
Attached Internet evidence shows that “banking services” encompass money lending, mortgage services, insurance services, and many other related services. The applicant’s services specifically include banking services. Thus, the services of the parties clearly overlap. Accordingly, applicant’s services are highly related to registrant’s services.
In sum, for the reasons stated above, registration is refused because of a likelihood of confusion with the registered mark.
Applicant must respond to the requirement set forth below.
Requirement – Identification and Classification
All identifications must be precise and identify the services with particularity using common or commercial names for the services. TMEP §1402.01.
Applicant’s current identification reads (applicant should note that the wording requiring amendment, as discussed further below, has been highlighted in bold font):
International Class 035: Matching borrowers with potential lenders in the field of consumer and mortgage lending.
International Class 036: Mortgage banking services, namely, servicing, sub-servicing and special servicing of mortgage loans; financial services related to mortgages and home loans for home owners and loan investors; mortgage lending services; origination, acquisition, securitization and brokerage of mortgage loans; consumer lending services; financial services in the field of lending money; real estate lending services; mortgage banking services, namely, residential mortgage lending and the purchase and sale of residential mortgage loans and related assets; mortgage brokerage; providing home purchase loans; mortgage foreclosure services; mortgage debt management; services related to real estate owned properties (REO), mortgage settlement services, appraisal and valuation services and trustee services; Internet-based mortgage banking services; providing an Internet web portal for servicing mortgage loans and for investors; mortgage refinancing; providing information related to and connecting consumers with insurance service providers, including home warranty programs, accidental death insurance and disaster insurance; home retention assistance; consulting services related to mortgages and mortgage servicing; management of loan portfolios for investors.
The identification is unacceptable as presently worded because certain services are worded indefinitely, need clarification and/or have been misclassified. In the identification, applicant must use the common commercial or generic names for the services, be all-inclusive, as complete and specific as possible, and avoid the use of indefinite words and phrases. If applicant chooses to use indefinite terms, then such terms must be followed by the word "namely" and a list of the specific services identified by their common commercial or generic names. TMEP §§1402.01 and 1402.03(a).
Specifically:
· financial services related to mortgages and home loans for home owners and loan investors is indefinite because applicant must clearly state what the nature of the financial services are with particularity, not what they are “related” to. Also, what are “loan investors”? Are these consumers of loans?
· financial services in the field of lending money is indefinite because “financial services” is overly broad even if the field is indicated. It can include many services that are not specified.
· services related to real estate owned properties (REO), mortgage settlement services, appraisal and valuation services and trustee services is indefinite because applicant must specify with particularity the specific services provided, not just indicate what these services “relate” to.
· providing an Internet web portal for servicing mortgage loans and for investors is indefinite and possibly misclassified. Are these services in the nature of providing temporary use of online software that enables a particular technology? Is the primary service that of offering mortgage loan servicing wherein the services are offered online?
· providing information related to and connecting consumers with insurance service providers, including home warranty programs, accidental death insurance and disaster insurance is indefinite because the “connecting consumers” portion of this entry seems to indicate a referral service that must be classified in International Class 035.
· home retention assistance is indefinite as it is entirely unclear what the nature of these services is. Is this a legal service? Is this a monetary lending service? A job training service? How, exactly, are the services related to home retention?
· management of loan portfolios for investors is indefinite and possibly misclassified. Financial records management services belong in International Class 035.
Suggested Amendment
Applicant may adopt the following identification, if accurate (applicant should note that the suggested amended language appears in bold font, and that the applicant must supply the requisite information detailed within the brackets {}):
International Class 035: Matching borrowers with potential lenders in the field of consumer and mortgage lending; referral services, namely, connecting consumers with insurance service providers; financial records management.
International Class 036: Mortgage banking services, namely, servicing, sub-servicing and special servicing of mortgage loans; financial services, namely, providing mortgages and home loans for home owners; mortgage lending services; origination, acquisition, securitization and brokerage of mortgage loans; consumer lending services; financial services, namely, lending money; real estate lending services; mortgage banking services, namely, residential mortgage lending and the purchase and sale of residential mortgage loans and related assets; mortgage brokerage; providing home purchase loans; mortgage foreclosure services; mortgage debt management; services related to real estate owned properties (REO), namely, mortgage settlement services, real estate appraisal and valuation services, and trustee services; Internet-based mortgage banking services; servicing mortgage loans online; mortgage refinancing; insurance information, including home warranty programs, accidental death insurance and disaster insurance; home retention assistance; consulting services related to mortgages and mortgage servicing.
Limitation on Amendments
While an application may be amended to clarify or limit the identification, additions to the identification are not permitted. 37 C.F.R. Section 2.71(a); TMEP §1402.06. Trademark Rule 2.71(a), 37 C.F.R. §2.71(a), restricts amendments to the identification of goods or services as follows, “The applicant may amend the application to clarify or limit, but not to broaden, the identification of goods and/or services.” This rule applies to all applications.
Therefore, the applicant may not amend to include any goods or services that are not within the scope of goods or service set forth in the present identification.
For assistance with identifying and classifying goods and/or services in trademark applications, please see the USPTO’s online searchable U.S. Acceptable Identification of Goods and Services Manual at http://tess2.gov.uspto.report/netahtml/tidm.html. See TMEP §1402.04.
Adding Classes
(1) LIST SERVICES BY INTERNATIONAL CLASS: Applicant must list the services by international class.
(2) PROVIDE FEES FOR ALL INTERNATIONAL CLASSES: Applicant must submit an application filing fee for each international class of services not covered by the fee(s) already paid (confirm current fee information at http://www.gov.uspto.report/trademarks/tm_fee_info.jsp).
See 15 U.S.C. §§1051(b), 1112, 1126(e); 37 C.F.R. §§2.34(a)(2)-(3), 2.86(a); TMEP §§1403.01, 1403.02(c).
Requirement - Disclaimer
Specifically, applicant’s services specifically indicate that they include lending services, and include the following:
* Matching borrowers with potential lenders in the field of consumer and mortgage lending;
* Mortgage lending services;
* Consumer lending services;
* Financial services in the field of lending money;
* Real estate lending services; and
* mortgage banking services, namely, residential mortgage lending and the purchase and sale of residential mortgage loans and related assets.
A disclaimer does not physically remove the disclaimed matter from the mark, but rather is a written statement that applicant does not claim exclusive rights to the disclaimed wording and/or design separate and apart from the mark as shown in the drawing. TMEP §§1213, 1213.10.
The following is the standard format used by the Office:
No claim is made to the exclusive right to use “LENDING” apart from the mark as shown.
TMEP §1213.08(a)(i); see In re Owatonna Tool Co., 231 USPQ 493 (Comm’r Pats. 1983).
Response Guidelines
Applicant should also set forth a current business address in its response. 37 C.F.R. §2.32(a)(4); TMEP §803.05.
If applicant has questions about the application or this Office action, please contact the assigned trademark examining attorney at the telephone number below.
To expedite prosecution of the application, applicant is encouraged to file its response to this Office action online via the Trademark Electronic Application System (TEAS), which is available at http://www.gov.uspto.report/teas/index.html. If applicant has technical questions about the TEAS response to Office action form, applicant can review the electronic filing tips available online at http://www.gov.uspto.report/teas/eFilingTips.htm and email technical questions to TEAS@uspto.gov.
/Andrea R. Hack/
Andrea R. Hack
Trademark Examining Attorney
Law Office 108
Ph: 571.272.5413
Fax: 571.273.5413
Andrea.Hack@uspto.gov
TO RESPOND TO THIS LETTER: Go to http://www.gov.uspto.report/trademarks/teas/response_forms.jsp. Please wait 48-72 hours from the issue/mailing date before using TEAS, to allow for necessary system updates of the application. For technical assistance with online forms, e-mail TEAS@uspto.gov. For questions about the Office action itself, please contact the assigned trademark examining attorney. E-mail communications will not be accepted as responses to Office actions; therefore, do not respond to this Office action by e-mail.
All informal e-mail communications relevant to this application will be placed in the official application record.
WHO MUST SIGN THE RESPONSE: It must be personally signed by an individual applicant or someone with legal authority to bind an applicant (i.e., a corporate officer, a general partner, all joint applicants). If an applicant is represented by an attorney, the attorney must sign the response.
PERIODICALLY CHECK THE STATUS OF THE APPLICATION: To ensure that applicant does not miss crucial deadlines or official notices, check the status of the application every three to four months using Trademark Applications and Registrations Retrieval (TARR) at http://tarr.gov.uspto.report/. Please keep a copy of the complete TARR screen. If TARR shows no change for more than six months, call 1-800-786-9199. For more information on checking status, see http://www.gov.uspto.report/trademarks/process/status/.
TO UPDATE CORRESPONDENCE/E-MAIL ADDRESS: Use the TEAS form at http://www.gov.uspto.report/teas/eTEASpageE.htm.