BANKWEST, INC., Advance America, Cash Advance Centers of Georgia, Inc., Plaintiffs-Appellants,
Community State Bank, First American Cash Advance of Georgia, LLC, Cash America Financial Services, Inc., Georgia Cash America, Inc., First Bank of Delaware, Creditcorp of Georgia, LLC, County Bank of Rehoboth Beach, Delaware, Express Check Advance of Georgia, LLC, Consolidated-Plaintiffs-Appellants,
v.
Thurbert E. BAKER, Attorney General of the State of Georgia, Cathy Cox, Secretary of State, for the State of Georgia, in their official capacities, Defendants-Consolidated-Defendants-Appellees.
United States Court of Appeals, Eleventh Circuit.https://leagle.com/images/logo.png
June 10, 2005.
June 10, 2005.
Attorney(s) appearing for the Case
Susan Verbonitz, Marc J. Zucker, Weir & Partners, LLP, Alan S. Kaplinsky, Jeremy T. Rosenblum, Mark J. Levin, Ballard, Spahr, Andrews & Ingersoll, LLP, Philadelphia, PA, William P. Eiselstein, Miller & Martin, PLLC, Christopher J. Willis, Richard H. Sinkfield, Daniel D. Zegura, Rogers & Hardin, LLP, John K. Larkins, Jr., Chilivis, Cochran, Larkins & Bever, LLP, Michael C. Russ, King & Spalding, Charles E. Campbell, Robert A. Bartlett, Long, Aldridge & Norman, Atlanta, GA, Larry Dwight Floyd, Jr., Parker, Poe, Adams & Bernstein, LLP, Columbia, SC, for Plaintiffs-Appellants and Consolidated-Plaintiffs-Appellants.
Thurbert E. Baker, Isaac Byrd, Sidney Ray Barrett, Jr., Atlanta, GA, for Defendants-Consolidated-Defendants-Appellees.
James T. McIntyre, Jr., Chrys D. Lemon, McIntyre Law Firm, PLLC, Washington, DC, for Community Financial Services Ass'n of America, Amicus Curiae.
Erin Glenn Busby, Bracewell & Patterson, L.L.P., Houston, TX, for Robert L. Clarke, Amicus Curiae.
Deborah M. Zuckerman, AARP Foundation Litigation, Washington, DC, for AARP, Atlanta Legal Aid Society, Inc., Consumer Federation of America, Georgia Legal Services Program, National Ass'n of Consumer Advocates, National Consumer Law Center, Amici Curiae.
Before CARNES, HULL and HILL, Circuit Judges.
United States Court of Appeals, Eleventh Circuit.
HULL, Circuit Judge:
This case concerns payday loans, which are small loans with interest rates averaging 400-500% APR due on the next payday. This appeal presents the question of whether the State of Georgia may regulate a narrow segment of agency agreements between in-state payday stores and out-of-state banks or whether the Georgia Act in issue is preempted by § 27(a) of the Federal Deposit Insurance Act ("FDIA"), 12 U.S.C. § 1831d(a).
The Georgia...
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