TURNER v. FIRST UNION NAT. BANK


713 A.2d 1068 (1998)

314 N.J. Super. 33

Suzanne TURNER, on Behalf of Herself and all Others Similarly Situated, Plaintiffs-Respondents, v. FIRST UNION NATIONAL BANK (formerly First Fidelity Bank, NA NJ, a National Banking Association), Defendant-Appellant. Daniel IVERSON, Lawrence Cohen, and Terri Cohen, on Behalf of Themselves and all Others Similarly Situated, Plaintiffs-Respondents, v. COLLECTIVE BANK, a Federally Chartered Bank Organized Under the Laws of the United States of America (Improperly Named as Collective Bankcorp, Inc., a Delaware Corporation), Defendant-Appellant. Thomas KELLY, on Behalf of Himself and all Others Similarly Situated, Plaintiffs-Respondents, v. CHASE MANHATTAN MORTGAGE CORPORATION, (a/k/a, Chase Home Mortgage Corp.), Defendant-Appellant.

Superior Court of New Jersey, Appellate Division.

Decided July 9, 1998.


Attorney(s) appearing for the Case

John M. Donnelly, for plaintiffs-respondents Turner, Iverson, and Kelly (Levine, Staller, Sklar, Chan, Brodsky & Donnelly, Atlantic City, and Schiffrin & Craig, Bala Cynwyd, PA, attorneys; Arthur M. Brown, Atlantic City, Marc Topaz, Bala Cynwyd, PA and Mr. Donnelly, on the briefs).

Gregory R. Haworth, Hackensack, for defendants-appellants First Union National Bank (Cole, Schotz, Meisel, Forman & Leonard, attorneys; Mr. Haworth, of counsel; David S. Blatteis and Mr. Haworth, on the briefs).

Gerald A. Liloia, for defendant-appellant Collective Bank (Riker, Danzig, Scherer, Hyland & Perretti, Morristown, and McCarter & English, Cherry Hill, attorneys; Anthony J. Sylvester, Morristown and Glenn P. Callahan, Cherry Hill, on the briefs).

George E. McDavid, Princeton, for defendant-appellant Chase Manhattan Mortgage Corporation (Reed, Smith, Shaw & McClay, attorneys; Leonard Bernstein and Mr. McDavid, of counsel; Robert M. Jaworski, Kathleen F. Doran, and Mr. McDavid, on the briefs).

Dominick A. Mazzagetti, Princeton, for amici curiae New Jersey Bankers Association and New Jersey League of Community and Savings Bankers (Jamieson, Moore, Peskin & Spicer, attorneys; Dennis R. Casale, of counsel; Mr. Mazzagetti, on the brief).

Before Judges DREIER, KEEFE and PAUL G. LEVY.


The opinion of the court was delivered by KEEFE, J.A.D.

This case requires the court to construe N.J.S.A 46:10A-6(d), pertaining to a lender's right to pass along its attorney fees to residential borrowers for the review of certain loan documents. These consolidated cases come to us from two Law Division rulings that conflict in their interpretation of the statute. In Kelly v. Chase Manhattan Mortgage Corp. and Iverson v. Collective Bank, considered...

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