Cases

OPINION McKEOWN, Circuit Judge: Bank fees, like taxes, are ubiquitous. And, like taxes, bank fees are unlikely to go away any time soon. The question we *716 consider here is the extent to which overdraft fees imposed by a national bank are subject to state regulation.

(2008) Mark LANGENFELD, Plaintiff, v. CHASE BANK USA, N.A., et al., Defendants. No. 05-CV-619-TCK-SAJ. United States District Court, N.D. Oklahoma. March 10, 2008. AMENDED OPINION AND ORDER[1] TERENCE KERN, District Judge. Before the Court are the following motions for summary judgments: Defendant Frederick J. Hanna & A

267 B.R. 812 (2001) In re Cathy Michele BASS, Dorothy Jean McKee, Courtney Jackson, Sr., Michelle Jackson, David Frederick Austen, Barbara Helen Austen, Debtors. Nos. 00-16856, 00-17131, 00-17216, 00-17217. United States Bankruptcy Court, S.D. Ohio, Western Division. August 27, 2001. *813 Eric W. Goering, Robert A. Goering, Cincinnati, O

451 F.Supp.2d 681 (2006) Richard M. JOHNSON, Plaintiff, v. The McGRAW-HILL COMPANIES, Macmillan/McGraw-Hill, McGraw-Hill School Division, Successors and Assigns, Defendants. No. 2:03CV889. United States District Court, W.D. Pennsylvania. September 5, 2006. *682 *683

RHESA HAWKINS BARKSDALE, Circuit Judge: Rehearing en banc was granted to determine, for credit card debt (card-debt), the standards for bankruptcy nondis-chargeability under 11 U.S.C. § 523(a)(2)(A) (credit obtained by false pretenses/representation or actual fraud). Primarily at issue are: whether credit card use (card-use) constitutes a representation of intent to pay the loan thereby obtained (intent to pay); and

KAREN LECRAFT HENDERSON, Circuit Judge, concurring in the judgment in part and dissenting in part. “To an imagination of any scope the most far-reaching form of power is not money, it is the command of ideas.” —Oliver Wendell Holmes, The Path of the Law, 10 Harv. L. Rev. 457, 478 (1897). I believe the statute before us is unconstitu