DILLON v. BMO HARRIS BANK, N.A.

No. 16-1362.

856 F.3d 330 (2017)

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

United States Court of Appeals, Fourth Circuit.

Decided: May 10, 2017.


Attorney(s) appearing for the Case

ARGUED: Kevin Scott Ranlett , MAYER BROWN LLP, Washington, D.C., for Appellant. Hassan A. Zavareei , TYCKO & ZAVAREEI LLP, Washington, D.C., 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. Norman E. Siegel , Steve Six , J. Austin Moore , STUEVE SIEGEL HANSON LLP, Kansas City, Missouri; Jeffrey M. Ostrow , KOPELOWITZ OSTROW P.A., Fort Lauderdale, Florida; Darren T. Kaplan , DARREN KAPLAN LAW FIRM, P.C., New York, New York; F. Hill Allen , THARRINGTON SMITH, L.L.P., Raleigh, North Carolina; Jeffrey D. Kaliel , TYCKO & ZAVAREEI LLP, Washington, D.C., for Appellee.

Affirmed by published opinion. Judge Keenan wrote the opinion, in which Judge Duncan and Judge Thacker joined.


In this appeal, we consider the enforceability of an arbitration agreement included in the terms of a "payday loan" obtained over the internet. Plaintiff James Dillon brought this civil action against defendant BMO Harris Bank, N.A. (BMO Harris), alleging that BMO Harris...

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