A California appeals court upheld the dismissal of a request for class certification in a case that alleged payments of unearned fees, including yield-spread premiums, and misuse of loan forms in a mortgage loan transaction. In Turner v. Provident Funding Association, plaintiffs alleged that the lender violated the Real Estate Settlement Service Procedures Act and California ’s unfair competition statute by “imposing” allegedly inflated or bogus broker fees on unsuspecting borrowers and not providing