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033423P.pdf   07/28/2005  Alvin L. Phipps  v.  Guaranty Natl. Bank
   U.S. Court of Appeals Case No:  03-3423
   Western District of Missouri   
   [PUBLISHED] [Riley, Author, with Bowman and Gruender, Circuit 
   Judges] 
   Civil case - Banking. Claim that defendant bank violated Missouri's 
   Second Mortgage Loan Act,(Mo. Rev. Stat. Secs. 480.231-.24) by 
   charging unlawful fees on second mortgage loans was properly removed 
   to federal court as the fees fell within the Office of the Comptroller 
   General's definition of interest, and federal statutes governing national 
   banks create an exclusive cause of action against national banks for 
   usury; state claims were preempted by the national regulatory scheme, 
   and the district court did not err in dismissing the state law-based claim.