OPINION
KALITOWSKI, Judge.
On appeal in this mortgage-redemption dispute, appellant-mortgagors Lawrence and Kathryn Gunderson and appellant-mortgagee Timothy Menne argue that (1) Minn.Stat. § 58.13 (2004) does not create a private cause of action; (2) the district court erred by concluding that their mortgage transaction violated Minn.Stat. § 58.13, subd. 1(13); and (3) Menne complied with the statutory redemption requirements.
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