Leon Washington v. First Nat'l Bank of Penn. -Northern District of Ohio at Cleveland

Circuit 6Jun 26, 2026

Split Score

SplitScore: 52/100

Case Summary

Disposition

Affirmed

The Washingtons alleged that First National Bank of Pennsylvania discriminated against them on the basis of race and disability when processing their VA home-loan application, asserting claims under the Fair Housing Act, Ohio law, the ECOA, and the ADA. The Sixth Circuit held that, although the district court wrongly required the plaintiffs to plead a prima-facie McDonnell-Douglas case, the complaint still failed to state plausible claims under the proper Twombly/Iqbal standard and therefore affirmed the dismissal.

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Circuit Split Identified

Legal Issue

Whether a plaintiff alleging discrimination must plead facts that satisfy the McDonnell-Douglas prima-facie framework at the Rule 12(b)(6) stage after Twombly/Iqbal, or whether Swierkiewicz’s more lenient notice-pleading rule still controls.

Circuit Positions

Circuit 6(this circuit)

McDonnell-Douglas prima-facie framework is not a pleading requirement; Swierkiewicz controls and Twombly/Iqbal do not heighten that aspect.

Circuit 1Circuit 3Circuit 8

While not demanding a rigid prima-facie showing, courts must evaluate plausibility through the McDonnell-Douglas prism; complaints relying on indirect evidence must allege facts that would satisfy the prima-facie elements.

Conflict Summary

The Sixth Circuit holds that the prima-facie elements under McDonnell-Douglas are purely evidentiary and cannot be demanded in a complaint; Twombly/Iqbal did not alter Swierkiewicz. The Third, Eighth, and First Circuits treat the McDonnell-Douglas elements as an essential ‘guide’ at the pleading stage, requiring the complaint to allege facts that make it plausible the plaintiff could later establish a prima-facie case when only indirect evidence is offered.

Parties & Counsel

Parties

Appellant:Leon Washington and Vanessa Washington
Appellee:First National Bank of Pennsylvania

Legal Counsel

Appellant:Thomas C. Loepp, Attorney Loepp, Stow, Ohio
Appellee:Lyle Washowich, Burns White LLC, Pittsburgh, Pennsylvania