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Independent Bankers Association of America v. Smith

534 F.2d 921 (1976)

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Independent Bankers Association of America v. Smith

United States Court of Appeals for the District of Columbia Circuit
534 F.2d 921 (1976)

  • Written by Robert Cane, JD

Facts

In the 1970s, as technology improved, the banking industry sought to incorporate technological innovations such as customer-bank communication terminals (automated teller machines, or ATMs). These automated teller machines were located off-site from a bank and permitted bank customers to deposit and withdraw funds and transfer funds between accounts. In 1974, the United States Comptroller of the Currency, James Smith (defendant) issued an interpretive ruling regarding automated teller machines. The comptroller determined that automated teller machines were not branches within the meaning of § 36(f) of the National Bank Act. Thus, federal and state restrictions on bank branching did not apply to automated teller machines. The Independent Bankers Association of America (plaintiff) filed a petition in the district court, seeking that the comptroller repeal his interpretive ruling and institute a rulemaking proceeding regarding automated teller machines. The district court found that automated teller machines were branches under § 36(f). The comptroller appealed.

Rule of Law

Issue

Holding and Reasoning (Wilkey, J.)

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Casebooks

Banking Law

Key Terms