The opinion of the court was delivered by: Louis F. Oberdorfer United States District Judge
Currently pending in the above-captioned case is Defendants' Renewed Motion to Dismiss Plaintiffs' First Amended Complaint. This motion has been assigned to the undersigned by consent. See May 18, 2006 Order. In their opposition brief, Plaintiffs consented to dismissal of all of their claims except for claims arising under the Equal Credit and Opportunity Act ("ECOA"), and their breach of contract claims. See Plaintiff[s'] Response and Brief in Opposition to Defendants' Renewed Motion to Dismiss (Dec. 13, 2004) ("Opp."), at 1.
Plaintiff Dexter Davis is an African-American farmer living in East Carroll Parish, Louisiana with his African-American wife, plaintiff Phyllis Davis.*fn1 See First Amended Complaint ("Compl.") ¶¶ 6; 14. Davis tried unsuccessfully to obtain loans from the U.S. Department of Agriculture ("USDA") through the currently titled Farm Service Agency ("FSA") loan program. In 1989 Davis filed his first administrative discrimination complaint on the ground that loans were denied to him based on his race. See id. ¶ 16. According to Davis, "[i]n his communications with FSA loan officials, [Davis] was subjected to dehumanizing discrimination. He was also intentionally excluded from loan programs by USDA officials simply because he was black. Plaintiffs continued to be subject to discrimination from 1998 to the present." See id. ¶¶ 18-19. Plaintiffs filed another administrative suit in 1995.
On March 11, 1998, in response to plaintiffs' discrimination complaints, the USDA and plaintiffs reached a settlement agreement. The parties agreed that USDA would pay plaintiffs $114,000, but only to settle allegations regarding USDA's conduct from 1995 to 1998; the settlement had no effect on any claims arising before 1995. As the Settlement Agreement stated:
[Both parties agree that] this settlement is only a settlement of Mr. and Mrs. Davis' claims for relief for the years 1995 though 1998 that were raised in Mr. and Mrs. Davis' November 13, 1995 discrimination complaint. The parties further agree that this agreement does not waive Mr. and Mrs. Davis' right to file an action for compensatory damages against USDA as to events between the years 1988 through 1994 that were the subject of their November 13, 1995 discrimination complaint. Accordingly, USDA agrees that it will not use this agreement to defend such an action by Mr. and Mrs. Davis concerning the events between the years 1988 through 1994 that were the subject of their November 13, 1995 discrimination complaint; however, USDA reserves the right to raise any and all other affirmative defenses available to it in  a court action. . . This paragraph is intended only to reserve Mr. and Mrs. Davis' right to file an action for compensatory damages against USDA for events between the years 1988 and 1994 that were the subject of their November 13, 1995 discrimination complaint.
United States Department of Agriculture Resolution Agreement - Dexter and Phyllis Davis (Mar. 3, 1998) (Compl. Ex. A) (the "Agreement") ¶ 9 (emphasis added). Plaintiffs appear to argue that the USDA failed to adhere to the Agreement, although the basis for this argument is unclear. See Compl. ¶ 32. Plaintiffs concede that the USDA paid plaintiffs "approximately $150,000" in accordance with the Agreement. Id. ¶ 31. However, plaintiffs allege that the USDA "refused, pursuant to paragraph #9 [of the Agreement], to compensate Plaintiffs for their damages, in accordance with the Congress' extension of the limitations period of the ECOA." Id. ¶ 31.
The ECOA provides that it is "unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction . . . on the basis of race, color, religion, national origin, sex or marital status, or age." 15 U.S.C. § 1691(a). The normal statute of limitations for ECOA claims is two years. However, in 1998 Congress created an exception to the two-year bar for individuals who filed an "eligible" administrative complaint. See Omnibus Consolidated and Emergency Supplemental Appropriations Act of 1999, 112 Stat. 2681 (Oct. 21, 1998) § 741 ("1999 Act"). Under this statute, the two-year limitations ban on discrimination complaints does not apply to individuals who (a) filed administrative discrimination complaints with the USDA between January 1, 1981 and July 1, 1997, and (b) filed civil actions by October 21, 2000 (within two years of the statute), or within 180 days of a final agency decision denying an administrative complaint.
On June 1, 2000, and July 3, 2001, Davis filed additional administrative discrimination and retaliation complaints against USDA. See Compl. ¶¶ 34; 36. On April 30, 2003, an Administrative Law Judge dismissed these claims on the ground that plaintiffs' complaint was not "eligible" within the meaning of the 1999 Act because they did not file a complaint on or before July 1, 1997. See Mot. Ex. A.
II. Defendants' Motion to Dismiss
For the following reasons, defendants' motion to dismiss is granted on the grounds that plaintiffs failed to state a claim, plaintiffs' ECOA claims are time-barred, and plaintiffs' contract claims against the government can only be brought in the federal Court of Claims. This court does not reach defendants' additional arguments on support of their motion.
A. Failure to State a Claim
Defendants persuasively contend that plaintiffs' complaint does not allege any specific facts to support their claims. Although plaintiffs argue at length about USDA's history of racial discrimination, they do not cite any particular instances of discrimination against plaintiffs individually. For example, although plaintiffs allege that they were denied loans based on their race, they do not specify any loans that they applied for but were denied, or argue that they were otherwise qualified to receive these loans.
Their breach of contract claim is equally difficult to discern. They seem to argue that the Agreement allowed them to sue based on conduct from 1988 to 1994, but that defendants broke this promise by arguing that their claims are time-barred. As explained above, the Agreement expressly states that defendants did not waive any affirmative defenses as to any 1988 - 1994 claims. Moreover, although the Agreement allows plaintiffs to sue, it does not presuppose liability, as plaintiffs are suggesting. ...