Chevron U.S.A. v. Natural Res. Def. Council

Holding that courts "must give effect to the unambiguously expressed intent of Congress"

Fidelity Federal Savings & Loan Ass'n v. De La Cuesta

Holding that a regulation authorizing federal savings-and-loan associations to include due-on-sale clauses in mortgage contracts conflicted with a state-court doctrine that such clauses were un-enforceable

Bates v. Dow Agrosciences LLC

Holding that a preemption clause barring state laws "in addition to or different" from a federal Act does not interfere with an "equivalent" state provision

Cooper v. Aviall

Holding that the portion of § 113(f) cited above "rebuts any presumption that the express right of contribution provided by the enabling clause is the exclusive cause of action for contribution available to a [potentially responsible party]"

Barnett Bank of Marion County, N.A. v. Nelson

Holding that a federal statute permitting banks to act as agents of insurance companies, although not insurers themselves, was a statute regulating the "business of insurance" for McCarran-Ferguson purposes

Smiley v. Citibank (South Dakota), N. A.

Holding that neither an agency's delay in promulgating a regulation nor the fact that "it was litigation which disclosed the need for the regulation" affects the court's deference to the agency's interpretation of an ambiguous statute as embodied in such regulations

Watters v. Wachovia Bank, N.A.

Holding that a national bank's mortgage lending activities, “whether conducted by the bank itself or through the bank's operating subsidiary, ” is governed by federal law and regulations rather than “the licensing, reporting, and visitorial regimes of the several States in which the subsidiary operates.”

Hines v. Davidowitz

Holding that the Alien Registration Act of 1940 preempted Pennsylvania's alien registration requirements

Nationsbank of N.C. v. Variable Annuity Life Ins. Co.

Holding that allowing customers to invest in annuities is an "incidental power" of banking

Cuomo v. Clearing House Ass'n, L. L.C.

Holding that states cannot informally subpoena national banks through their "capacity as supervisor of corporations"

Section 1602 - Definitions and rules of construction

Granting Federal Reserve authority to issue rules to carry out the CARD Act

Section 1464 - Federal savings associations

Granting broad authority to Office of Thrift Supervision to issue regulations governing thrifts

Section 24 - Corporate powers of associations

Authorizing banks "[t]o exercise . . . all such incidental powers as shall be necessary to carry on the business of banking; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt . . . and by obtaining, issuing, and circulating notes"

Section 85 - Rate of interest on loans, discounts and purchases

In § 85, the term "interest" is not used in contradistinction to "penalty," and there is no reason why it cannot include interest charges imposed for that purpose.

Section 21 - Formation of national banking associations; incorporators; articles of association

Governing formation of national banks and their entry into articles of association

Section 1604 - Disclosure guidelines

Empowering the Board to issue regulations not only necessary "to carry out the purposes of [the statute]," but also "necessary or proper . . . to prevent circumvention or evasion [of the statute], or to facilitate compliance therewith"

Section 1 - Office of the Comptroller of the Currency

Prohibiting the Treasury Secretary from interfering with the Comptroller

Section 1610 - Effect on other laws

Allowing states to regulate consumer credit charges

Section 92 - Acting as insurance agent or broker

Permitting national bank to act as insurance agent in certain circumstances when bank is "located and doing business in any place the population of which does not exceed five thousand inhabitants"

Section 93a - Authority to prescribe rules and regulations

Authorizing the OCC "to prescribe rules and regulations to carry out the responsibilities of the office"

Section 226.1 - Authority, purpose, coverage, organization, enforcement, and liability

Recognizing that Regulation Z was issued by the Board of Governors to implement the TILA

Section 34.4 - Applicability of state law

Identifying preempted state controls on mortgage lending, including licensing and registration

Section 7.4008 - Lending by national banks

Allowing banks to make non-real estate loans without regard to, inter alia, “disclosure and advertising”

Section 7.4000 - Visitorial powers with respect to national banks

Defining "visitorial" power as " [e]xamination of a bank; [inspection of a bank's books and records; [r]egulation and supervision of activities authorized or permitted pursuant to federal banking law; and [e]nforcing compliance with any applicable federal or state laws concerning those activities"

Section 7.4007 - Deposit-taking by national banks

Section 7.4006 - Reserved

Section 7.4009 - Reserved

Declaring that national banks are subject to state laws "not inconsistent" with national banks' powers, "to the extent that [those laws] only incidentally affect the exercise of national bank powers."

Rule 8.504 - Form and contents of petition, answer, and reply

Rule 8.29 - Service on nonparty public officer or agency