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- W3122091675 abstract "In 2007, Supreme Court in Watters v. Wachovia Bank finally sided with OCC's preemption of state consumer protection laws which had policed operating of national banks. In drawing this conclusion, OCC's unchallenged interpretations of incidental powers of NBA - argument that the national bank has incidental power to conduct business through operating subsidiaries - played a determinative role, effectively rendering those subject to exclusive regulation of OCC. However, this paper argues that OCC's construction is contrary to law and is unreasonable given plain language of NBA, precedential case law and structure of NBA. The OCC's arguments only reflect its self-interest to be an umbrella bank regulator of operating subsidiary, a state-chartered corporation. To rethink debates concerning regulatory jurisdiction over operating has significant implications. Operating which engage in originating subprime mortgages have created serious allegations of abusive lending practices. In particular, preemption of state laws over operating since 2001 has deteriorated consumer protection in subprime mortgage market, which is, to a substantial degree, responsible for subprime mortgage crisis. The immunization of operating of national banks from stringent state consumer protection laws has been used to spread agenda of deregulation over entire sub-prime mortgage market for past several years." @default.
- W3122091675 created "2021-02-01" @default.
- W3122091675 creator A5084434964 @default.
- W3122091675 date "2009-01-01" @default.
- W3122091675 modified "2023-09-27" @default.
- W3122091675 title "Challenging the Roots of the Subprime Mortgage Crisis: The OCC's Operating Subsidiaries Regulations and Watters v. Wachovia Bank" @default.
- W3122091675 hasPublicationYear "2009" @default.
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