Smiley v. Citibank (South Dakota), NA
A credit card holder sued her bank for charging late fees that were legal in the bank's home state but prohibited in her own state. The Supreme Court ruled that under the National Bank Act, national banks can charge late fees allowed by their home state regardless of where the customer lives, as these fees count as "interest."
- Status
- Decided
- Decision released
- Jun 10, 1996
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The case in plain English
What are the basics?
A credit card holder sued her bank for charging late fees that were legal in the bank's home state but prohibited in her own state. The Supreme Court ruled that under the National Bank Act, national banks can charge late fees allowed by their home state regardless of where the customer lives, as these fees count as "interest."
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