DILLON v. BMO HARRIS BANK, N.A.

No. 14-1728.

787 F.3d 707 (2015)

James DILLON, Plaintiff-Appellee, v. BMO HARRIS BANK, N.A.; Generations Federal Credit Union; Bay Cities Bank, Defendants-Appellants, and Four Oaks Bank & Trust Company, Defendant.

United States Court of Appeals, Fourth Circuit.

Decided: May 29, 2015.


Attorney(s) appearing for the Case

ARGUED: Kevin Scott Ranlett , Mayer Brown LLP, Washington, D.C., for Appellants. Stephen N. Six , Stueve Siegel Hanson LLP, Kansas City, Missouri, for Appellee. ON BRIEF: Lucia Nale , Debra Bogo-Ernst , Mayer Brown LLP, Chicago, Illinois; Mary K. Mandeville , Alexander Ricks PLLC, Charlotte, North Carolina, for Appellant BMO Harris Bank, N.A.; Eric A. Pullen , Leslie Sara Hyman , Etan Tepperman , Pulman, Cappuccio, Pullen, Benson & Jones, LLP, San Antonio, Texas; Reid C. Adams, Jr. , Garth A. Gersten , Jonathan R. Reich , Womble Carlyle Sandridge & Rice, LLP, Winston-Salem, North Carolina, for Appellant Generations Federal Credit Union. Eric Rieder , New York, New York, Michael P. Carey , Atlanta, Georgia, Mark Vasco, Bryan Cave LLP, Charlotte, North Carolina, for Appellant Bay Cities Bank. Darren T. Kaplan , Darren Kaplan Law Firm, P.C., New York, New York; F. Hill Allen , Tharrington Smith, L.L.P., Raleigh, North Carolina; Norman E. Siegel , J. Austin Moore , Stueve Siegel Hanson LLP, Kansas City, Missouri; Jeffrey M. Ostrow , Kopelowitz Ostrow P.A., Fort Lauderdale, Florida; Hassan A. Zavareei , Tycko & Zavareei LLP, Washington, D.C., for Appellee.

Vacated and remanded by published opinion. Judge DUNCAN wrote the opinion, in which Judge Keenan and Judge THACKER joined.


After Plaintiff-Appellee James Dillon obtained loans from online lenders and then sued Defendants-Appellants BMO Harris Bank, N.A., Generations Federal Credit Union, and Bay Cities Bank (the "Banks") for facilitating collection of those loans, the Banks sought to enforce arbitration clauses in the loan agreements between Dillon...

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