WAMU is a federal savings association operating under the supervision of the federal Office of Thrift Supervision, an agency established by the Home Owners' Loan Act (HOLA) (12 USC § 1462a [a]) and authorized to promulgate regulations (12 USC § 1463 [a] [2]) that preempt state laws affecting the operations of federal savings associations (see 12 CFR 560.2 [a]). The types of state laws expressly preempted by these regulations include those purporting to impose...
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