U.S. Court of Appeals for the Ninth Circuit

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Ninth Circuit orders dismissal of claims brought by borrowers under California mortgage escrow account law

September 22, 2020

The court held that the Home Owners’ Loan Act preempts application of California’s law and its implementing regulations, even where the mortgage is assigned from a savings association to a national bank. The U.S. Chamber filed an amicus brief supporting this outcome.

U.S. Chamber supports reversal of District Court’s judgment that Home Owners’ Loan Act does not preempt application of state laws and regulations to loans originated by federal savings associations that are sold on secondary market

August 12, 2019

Click here to view the amicus brief filed jointly by the U.S. Chamber, Banking Policy Institute, and American Bankers Association.

Matthew Schwartz of Sullivan & Cromwell LLP served as co-counsel for the amici.

Case Documents