1. Home
  2. Browse Decisions
  3. F.3d
  4. 704 F.3d
  5. 704 F.3d 712 (2012)
 

GUTIERREZ v. WELLS FARGO BANK, NA

Nos. 10-16959, 10-17468, 10-17689.

704 F.3d 712 (2012)

Veronica GUTIERREZ; Erin Walker; William Smith, individually and on behalf of all others similarly situated, Plaintiffs-Appellees, v. WELLS FARGO BANK, NA, Defendant-Appellant. Veronica Gutierrez; Erin Walker; William Smith, individually and on behalf of all others similarly situated, Plaintiffs-Appellees, v. Wells Fargo Bank, NA, Defendant-Appellant. Veronica Gutierrez; Erin Walker, Plaintiffs-Appellants, and William Smith, individually and on behalf of all others similarly situated, Plaintiff, v. Wells Fargo Bank, NA, Defendant-Appellee.

United States Court of Appeals, Ninth Circuit.

Filed December 26, 2012.

Attorney(s) appearing for the Case

Jordan Elias , Richard M. Heimann , Roger N. Heller , Michael W. Sobol (argued), and Alison M. Stocking , Lieff Cabraser Heimann & Bernstein, LLP, San Francisco, CA; Jae K. Kim and Richard D. McCune , McCune & Wright, LLP, Redlands, CA, for Plaintiffs-Appellees.

Robert A. Long, Jr. (argued), Mark William Mosier , Keith A. Noreika , and Stuart C. Stock , Covington & Burling LLP, Washington, D.C.; David M. Jolley and Sonya D. Winner , Covington & Burling, LLP, San Francisco, CA; Emily Johnson Henn , Covington & Burling LLP, Redwood Shores, CA, for Defendant-Appellant.

Julia B. Strickland , Lisa M. Simonetti , and David W. Moon , Stroock & Stroock & Lavan LLP, Los Angeles, CA, for Amici Curiae American Bankers Association and California Bankers Association.

Nina F. Simon , Washington, D.C., for Amici Curiae Center for Responsible Lending, Consumer Federation of America, California Reinvestment Coalition, and Law Foundation of Silicon Valley.

Before: SIDNEY R. THOMAS, M. MARGARET McKEOWN, and WILLIAM A. FLETCHER, Circuit Judges.

OPINION

McKEOWN, Circuit Judge:

Bank fees, like taxes, are ubiquitous. And, like taxes, bank fees are unlikely to go away any time soon. The question we consider here is the extent to which overdraft fees imposed by a national bank are subject to state regulation.

At issue is a bookkeeping device, known as "high-to-low" posting, which has the potential to multiply overdraft fees, turning a single overdraft...

Let's get started

Leagle.com

Welcome to the leading source of independent legal reporting
Sign on now to see your case.
Or view more than 10 million decisions and orders.

  • Updated daily.
  • Uncompromising quality.
  • Complete, Accurate, Current.

Listed below are the cases that are cited in this Featured Case. Click the citation to see the full text of the cited case. Citations are also linked in the body of the Featured Case.

Cited Cases

  • No Cases Found

Listed below are those cases in which this Featured Case is cited. Click on the case name to see the full text of the citing case.

Citing Cases