--- title: "各州在 Flagstar 被拒絕託管賬户重審中取得勝利" type: "News" locale: "zh-HK" url: "https://longbridge.com/zh-HK/news/281066430.md" description: "國家銀行監管者會議慶祝法院駁回 Flagstar Bank 在一個託管利息案件中請求重審的決定。第九巡迴法院維持了加利福尼亞州的法律，重申了美國最高法院 Cantero 裁決設定的高預先排除標準。美國貨幣監理署（OCC）支持全國性銀行的提案受到批評，認為這些提案削弱了保護房主的州法律。Flagstar 不再從事抵押貸款服務，已將其投資組合出售給 Mr. Cooper，現在是 Rocket Cos 的一部分" datetime: "2026-03-30T18:46:42.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/281066430.md) - [en](https://longbridge.com/en/news/281066430.md) - [zh-HK](https://longbridge.com/zh-HK/news/281066430.md) --- # 各州在 Flagstar 被拒絕託管賬户重審中取得勝利 The Conference of State Bank Supervisors celebrated an appellate court's decision not to grant a request by Flagstar Bank for the full panel in an interest-on-escrow case. The organization used the ruling to call on the Office of the Comptroller of the Currency to end its efforts to create a national preemption. This whole situation was muddied by a U.S. Supreme Court decision in a related state versus national banking law case. In the latest move, by a two-to-one vote, Flagstar Bank was denied both a panel rehearing and an en banc hearing by the Ninth Circuit Court of Appeals, which had previously affirmed a prior decision upholding California's law. ## How a U.S. Supreme Court ruling affected this case The case went back to the court following the Supreme Court's decision in Cantero v. Bank of America, involving a similar law in New York. In its Cantero ruling, the high court did not definitively declare whether or not the National Banking Act has precedence over state banking law. Unlike the Ninth Circuit in Kivett v. Flagstar, the Second Circuit had ruled in favor of B of A, creating a split. Following Cantero, the Supreme Court granted Flagstar's petition to vacate Kivett and remanded it back to the Ninth Circuit. After a panel rehearing in October, on a two-to-one vote, the court upheld the prior decision against the bank. In a ruling filed on March 26, the three judges who initially heard the case voted the same way regarding both a further rehearing by them, Jay Bybee and Susan Bolton in favor of Kivett and Ryan Nelson in support of Flagstar. This also applied on whether to recommend moving the case to the full court; in addition, no other judge on the appellate court's bench requested a vote, the single page ruling said. However, this could all be for naught. The Office of the Comptroller of the Currency in December fielded two proposals that would resolve the issue in favor of the national banks. Earlier this month, Jonathan Gould, head of the OCC, reiterated hisstrong support for the federal preemption. ## How state regulators feel about this latest ruling This latest case reaffirms "the appropriately high bar for preemption" created by the Cantero decision, a statement from the Conference of State Bank Supervisors said. "The OCC has ignored that standard and Congress's clear direction, instead proposing a much lower threshold to preempt state laws it deems 'inefficient,' 'inflexible,' or 'unusual,'" CSBS continued. "State interest-on-escrow laws do not prevent or significantly interfere with national bank powers and have long protected homeowners," the group continued, calling on OCC to withdraw its "unlawful proposals." A request for comment was made to Flagstar. However, the bank is no longer in the mortgage servicing business. In 2024, it sold the portfolio to Mr. Cooper, which on Oct. 1 became a part of Rocket Cos. ### 相關股票 - [JMBS.US](https://longbridge.com/zh-HK/quote/JMBS.US.md) - [IYR.US](https://longbridge.com/zh-HK/quote/IYR.US.md) - [MBB.US](https://longbridge.com/zh-HK/quote/MBB.US.md) - [FLG.US](https://longbridge.com/zh-HK/quote/FLG.US.md) - [XLRE.US](https://longbridge.com/zh-HK/quote/XLRE.US.md) - [FLG-U.US](https://longbridge.com/zh-HK/quote/FLG-U.US.md) - [MORT.US](https://longbridge.com/zh-HK/quote/MORT.US.md) - [DMBS.US](https://longbridge.com/zh-HK/quote/DMBS.US.md) - [REM.US](https://longbridge.com/zh-HK/quote/REM.US.md) - [SMBS.US](https://longbridge.com/zh-HK/quote/SMBS.US.md) - [SPMB.US](https://longbridge.com/zh-HK/quote/SPMB.US.md) - [VMBS.US](https://longbridge.com/zh-HK/quote/VMBS.US.md) - [RKT.US](https://longbridge.com/zh-HK/quote/RKT.US.md) - [PMBS.US](https://longbridge.com/zh-HK/quote/PMBS.US.md) - [VNQ.US](https://longbridge.com/zh-HK/quote/VNQ.US.md) - [COOP.US](https://longbridge.com/zh-HK/quote/COOP.US.md) - [JMTG.US](https://longbridge.com/zh-HK/quote/JMTG.US.md) - [JHMB.US](https://longbridge.com/zh-HK/quote/JHMB.US.md) ## 相關資訊與研究 - [OpenAI 整合 GPT-5.5 進軍個人理財領域，金融科技板塊股價受挫](https://longbridge.com/zh-HK/news/286619233.md) - [Flagstar 轉型為全方位服務的公共金融貸款平台](https://longbridge.com/zh-HK/news/287090699.md) - [貝殼控股首季經調整淨利按年升近 16%](https://longbridge.com/zh-HK/news/286984630.md) - [Porch Group 保險業務擴展至密歇根州，覆蓋全美 22 州](https://longbridge.com/zh-HK/news/287071432.md) - [KBRA 為 RKTL 2026-2 分配了初步評級](https://longbridge.com/zh-HK/news/286919341.md)