4843 REVIEW DENIED An Unfair Competition Law (UCL) action against a national bank alleging it violated Civil Code holiday sections 9 & 11 by charging a late fee on credit card payments that were due on Sunday and received the following Monday was pre-empted by a federal regulation promulgated under the National Banking Act that permits national banks to create their own repayment schedules for credit transactions.CitationMILLER v BANK OF AMERICA (Sunday Payments) 170 CA4 980 [See: B&PC 17200; CivC 9, 11; 12 USC 21 etseq; 12 CFR 7400.8; Gibson v World Savings 103 CA4 1291, T/AT 1/03]
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