STATE FARM BANK v. REARDON

No. 07-4260.

539 F.3d 336 (2008)

STATE FARM BANK, FSB and George Meinberg, Plaintifs-Appellants, v. John B. REARDON, Superintendent of the Ohio Division of Financial Institutions, in his official capacity, Defendant-Appellee.

United States Court of Appeals, Sixth Circuit.

Decided and Filed: August 22, 2008.


Attorney(s) appearing for the Case

ARGUED: Howard N. Cayne, Arnold & Porter, Washington, D.C., for Appellants. William J. Cole, Office of the Ohio Attorney General, Columbus, Ohio, for Appellee. ON BRIEF: Howard N. Cayne, A. Patrick Doyle, Nancy L. Perkins, Arnold & Porter, Washington, D.C., Thomas L. Long, Baker & Hostetler, Columbus, Ohio, for Appellants. William J. Cole, William P. Marshall, Robert J. Krummen, Office of the Ohio Attorney General, Columbus, Ohio, for Appellee. Daniel Mosteller, Center for Responsible Lending, Washington, D.C., Stefan L. Jouret, Donovan Hatem, Boston, Massachusetts, Dirk S. Roberts, Office of Chief Counsel, Office of Thrift Supervision, Washington, D.C., for Amici Curiae.

Before: ROGERS and McKEAGUE, Circuit Judges; ADAMS, District Judge.


OPINION

McKEAGUE, Circuit Judge.

State Farm Bank, a federal savings association and a wholly owned subsidiary of State Farm Mutual Automobile Insurance Co., offers mortgage products and banking services to individuals throughout the United States. State Farm Bank does not maintain any "brick and mortar" branch offices that are open to the public; rather, it solicits and markets its mortgage products and banking services through its existing network of independent...

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