[20050218]RS22057_根据货币监理署发布的条例国家银行及其子公司的国家法律优先权：草图.pdf

1 CRS Report RL32197, Preemption of State Law for National Banks and Their Subsidiaries bythe Office of the Comptroller of the Currency, by (name redacted).2 69 Fed. Reg. 1904 (January 13, 2004). Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS22057February 18, 2005Preemption of State Law for National Banksand Their Subsidiaries by Regulations Issuedby the Office of the Comptroller of theCurrency: A Sketchname redactedLegislative AttorneyAmerican Law DivisionSummaryFebruary 12, 2004, was the effective date of regulations, issued by the Office of theComptroller of the Currency (OCC), the regulator of national banks, preempting certaintypes of state laws affecting national bank real estate lending, other lending, and deposit-taking functions and providing a procedure for OCC to preempt other state lawsaffecting activities or powers authorized by Congress for national banks. Over the years,OCCs preemptive authority has been challenged in the courts.1 The new regulationshave been criticized by state bank regulators, mortgage bankers, and consumer groupsas exceeding OCCs authority, upsetting the delicate balance of th