No. 22-529
Alex Cantero, et al., Individually and on Behalf of All Others Similarly Situated v. Bank of America, N.A.
Tags: banking-regulation consumer-protection escrow-accounts interest-rates mortgage-lending national-bank-act preemption state-law state-law-preemption
Key Terms:
Environmental SocialSecurity Securities Immigration Trademark
Environmental SocialSecurity Securities Immigration Trademark
Latest Conference:
2023-10-13
(distributed 4 times)
Question Presented (AI Summary)
Does the National Bank Act preempt the application of state escrow-interest laws to national banks?
Question Presented (OCR Extract)
QUESTION PRESENTED At least thirteen states have enacted laws requiring mortgage lenders to pay a minimum interest rate on funds held in mortgage escrow accounts. Congress has since recognized the existence of these state escrow-interest laws and has expressly required national banks to comply with them where applicable. See 15 U.S.C. § 1639d(g)(3). The question presented is: Does the National Bank Act preempt the application of state escrow-interest laws to national banks?
Docket Entries
2024-07-01
Judgment Issued.
2024-05-30
Judgment VACATED and case REMANDED. Kavanaugh, J., delivered the <a href = 'https://www.supremecourt.gov/opinions/23pdf/22-529_1b7d.pdf'>opinion</a> for a unanimous Court.
2024-02-27
Argued. For petitioners: Jonathan E. Taylor, Washington, D. C.; and Malcolm L. Stewart, Deputy Solicitor General, Department of Justice, Washington, D. C. (for United States, as amicus curiae.) For respondent: Lisa S. Blatt, Washington, D. C.
2024-02-16
Reply of petitioners Alex Cantero, et al. filed. (Distributed)
2024-02-16
Motion of the Solicitor General for leave to participate in oral argument as amicus curiae and for divided argument GRANTED.
2024-02-01
Record received electronically from the United States District Court for the Eastern District of New York and available with the Clerk.
2024-01-29
Record received electronically from the United States Court of Appeals for the Second Circuit and available with the Clerk.
2024-01-25
Brief amicus curiae of Joseph R. Mason filed. (Distributed)
2024-01-25
Brief amici curiae of The Bank Policy Institute, et al. filed. (Distributed)
2024-01-25
Brief amicus curiae of Chamber of Commerce of the United States of America filed. (Distributed)
2024-01-25
Brief amicus curiae of Flagstar Bank, N.A. filed. (Distributed)
2024-01-25
Brief amici curiae of Former Comptrollers of the Currency and senior OCC officials filed. (Distributed)
2024-01-24
Brief amicus curiae of Professor Dori K. Bailey filed. (Distributed)
2024-01-23
Brief amicus curiae of Washington Legal Foundation filed. (Distributed)
2024-01-18
Brief of respondent Bank of America, N.A. filed. (Distributed)
2024-01-17
Motion of the Solicitor General for leave to participate in oral argument as amicus curiae and for divided argument filed.
2024-01-11
CIRCULATED.
2024-01-10
Record requested from the United States Court of Appeals for the Second Circuit.
2024-01-08
Motion to dispense with printing the joint appendix filed by petitioners GRANTED.
2024-01-05
SET FOR ARGUMENT on Tuesday, February 27, 2024.
2023-12-15
Brief amicus curiae of Constitutional Accountability Center filed.
2023-12-15
Brief amicus curiae of United States supporting vacatur filed.
2023-12-15
Brief amici curiae of Conference of State Bank Supervisors, et al. filed.
2023-12-15
Brief amici curiae of New York, et al. filed.
2023-12-15
Brief amici curiae of Flagstar Plaintiffs filed.
2023-12-14
Brief amici curiae of Public Citizen, et al. filed.
2023-12-08
Brief of petitioners Alex Cantero, et al. filed.
2023-12-01
Motion to dispense with printing the joint appendix filed by petitioners Alex Cantero, et al.
2023-10-31
Motion to extend the time to file the briefs on the merits granted. The time to file the joint appendix and petitioners' brief on the merits is extended to and including December 8, 2023. The time to file respondent's brief on the merits is extended to and including January 18, 2024. Petitioners will file the reply brief no later than February 16, 2024.
2023-10-26
Motion for an extension of time filed.
2023-10-13
Petition GRANTED.
2023-10-10
DISTRIBUTED for Conference of 10/13/2023.
2023-09-13
Supplemental brief of petitioners Alex Cantero, et al. filed. (Distributed)
2023-09-13
DISTRIBUTED for Conference of 10/6/2023.
2023-03-27
The Solicitor General is invited to file a brief in this case expressing the views of the United States.
2023-03-08
Reply of petitioners Alex Cantero, et al. filed. (Distributed)
2023-03-08
DISTRIBUTED for Conference of 3/24/2023.
2023-02-16
Brief of respondent Bank of America, N.A. filed.
2023-01-17
Response Requested. (Due February 16, 2023)
2023-01-11
DISTRIBUTED for Conference of 2/17/2023.
2023-01-06
Waiver of right of respondent Bank of America, N.A. to respond filed.
2022-12-05
Petition for a writ of certiorari filed. (Response due January 9, 2023)
Attorneys
Alex Cantero, et al.
Jonathan Ellis Taylor — Gupta Wessler PLLC, Petitioner
Jonathan Ellis Taylor — Gupta Wessler PLLC, Petitioner
Bank of America, N.A.
Lisa S. Blatt — Williams & Connolly LLP, Respondent
Lisa S. Blatt — Williams & Connolly LLP, Respondent
Mark W. Mosier — Covington & Burling, LLP, Respondent
Mark W. Mosier — Covington & Burling, LLP, Respondent
Conference of State Bank Supervisors; American Association of Residential Mortgage Regulators
Stefan L. Jouret — Jouret LLC, Amicus
Stefan L. Jouret — Jouret LLC, Amicus
Constitutional Accountability Center
Flagstar Bank, N.A.
Jonathan Yates Ellis — McGuireWoods LLP, Amicus
Jonathan Yates Ellis — McGuireWoods LLP, Amicus
Flagstar Plaintiffs
Former Comptrollers of the Currency and Senior OCC Officials
William McGinley Jay — Goodwin Procter, LLP, Amicus
William McGinley Jay — Goodwin Procter, LLP, Amicus
Joseph R. Mason
Anton Metlitsky — O'Melveny & Myers, LLP, Amicus
Anton Metlitsky — O'Melveny & Myers, LLP, Amicus
New York, et al.
Barbara Dale Underwood — Solicitor General, Amicus
Barbara Dale Underwood — Solicitor General, Amicus
Professor Dori K. Bailey
Louis Orbach — Bond, Schoeneck et al., Amicus
Louis Orbach — Bond, Schoeneck et al., Amicus
Public Citizen, Consumer Federation of America, National Association of Consumer Advocates, National Consumer Law Center, and Public Justice
The Bank Policy Institute, American Bankers Association, Consumer Bankers Association, Mortgage Bankers Association, and Mid-Size Bank Coalition of America
Matthew A. Schwartz — Sullivan & Cromwell LLP, Amicus
Matthew A. Schwartz — Sullivan & Cromwell LLP, Amicus
United States
Elizabeth B. Prelogar — Solicitor General, Amicus
Elizabeth B. Prelogar — Solicitor General, Amicus
United States Chamber of Commerce
Washington Legal Foundation