WASHINGTON — Even before the Dodd-Frank Act takes effect on July 21, a federal appeals court has cited the regulatory reform law in a ruling that a national bank does not have to comply with a Florida consumer protection statute that limits bank fees.

The 11th Circuit Court of Appeals affirmed a lower court's decision to dismiss a case claiming JP Morgan Chase Bank violated a state law that prohibits banks from charging check-cashing service fees. In his decision, Chief Judge Joel F. Dubina referred to the Dodd-Frank Act, which itself referred to the so-called Barnett standard established by the Supreme Court in 1996. The standard said that state law is prohibited from interfering with the business of banking.

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