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... did. Quoting a federal case, Watson Laboratories v. Rhone-Poulenc Rorer, Inc., 187 F. Supp.2d 1099, 1117 n.12 (C.D. ... calculation was consistent with the terms of the note, federal regulations and the uniform nationwide practice of the mortgage industry, and thus as a matter of law cannot constitute an unfair business practice ... must be "tethered" to specific constitutional, statutory or regulatory provisions.' " In Byars v. SCME Mortgage Bankers, Inc., supra, 109 Cal.App.4th 1134, 1147, another ...