No. 25-1004October Term 2025Dismissed
Citizens Bank, N.A., Petitioner v. John Conti
from the United States Court of Appeals for the First Circuit.
Case status
- Current stage
- Dismissed
- Latest event
- Dismissed
- Decision timing
- No window until argument is scheduled.
- What it's about
from the United States Court of Appeals for the First Circuit.
Question presented
Whether the National Bank Act preempts state interest-on-escrow laws like Rhode Island Gen. Laws § 19-9-2(a), which purport to dictate how national banks price their mortgage-loan products.
- Case path
United States Court of Appeals for the First Circuit / Dismissed
- Area
Dismissed Supreme Court case
Briefing
What it's about
Citizens Bank is asking the Supreme Court to decide whether the National Bank Act overrides a Rhode Island law on interest paid on mortgage escrow accounts at national banks. The case is pending, and no oral argument has been scheduled.
Argument
No oral argument is scheduled yet. The petition says federal law preempts Rhode Island's escrow-interest rule because it can significantly interfere with national banks' powers.
Impact
The answer could affect how national banks price mortgage loans in Rhode Island and similar states. For borrowers, it could change whether money in a mortgage escrow account earns interest.
What is Citizens Bank v. Conti about?
It asks whether the National Bank Act overrides Rhode Island's rule on interest paid on mortgage escrow accounts at national banks.
Who could be affected by Citizens Bank v. Conti?
National banks and mortgage borrowers in Rhode Island and similar states could feel the impact. The answer may affect loan pricing and escrow interest payments.
What happens next in Citizens Bank v. Conti?
Watch for the Court's next scheduling move, including whether it will hear the case and later set oral argument. No decision window is available yet.
Related cases
Grounding
- Grounding
- Primary materials plus reporting.
- Note
- Best-effort analysis: this explainer relies on a mix of primary materials and trusted secondary sources. Official filings and opinions remain authoritative.
- Checked
- Jul 23, 2026
- Method
- Methodology