United States Ninth Circuit

Bank's practice of using directly deposited Social Security and SSI benefits to offset overdrafts runs afoul of 42 U.S.C. sections 47(a) and 1383(d)(a); plaintiff's state law claims for violation of Cal. Bus. & Prof. Code section 17200 and conversion are not preempted by Office of Thrift Supervision regulations because they do not impose any requirements on deposit-related activities of a federal savings institution.

Appellate Information

• Argued 02/13/2002
• Decided 03/14/2002
• Published 03/14/2002

Judges

• Before: D.W. NELSON, NOONAN and HAWKINS, Circuit Judges.

Court

• United States Ninth Circuit

Counsel

• For Appellant:
  
• Robert D. Newman (argued), Western Center on Law & Poverty, Los Angeles, CA. Appearances only by Helen H. Kang, Golden Gate University, San Francisco, CA;  Kyra Kazantzis, Mental Health Advocacy Project, Law Foundation of Silicon Valley, San Jose, CA;  Gerald A. McIntyre, National Senior Citizens Law Center, Los Angeles, CA;  and Dean Paik, Cohen & Paik, San Francisco, CA, for the plaintiffs-appellants.


• For Appellees:
  
• Matthew L. Larrabee (argued), Heller Ehrman White & McAuliffe, San Francisco, CA.   Appearance only by Scott E. Morgan, Heller Ehrman White & McAuliffe, San Francisco, CA, for the defendant-appellee.