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The bank asked that the case be heard in federal, rather than state, court, because the issues were covered under the National Bank Act (NBA), a federal law. The district court ruled in favor of the bank; the 11th Circuit Court of Appeals reversed, holding that the NBA did not completely preempt state laws governing lending rates and that the case could therefore be heard in state court.\u003C\/p\u003E\n","question":"\u003Cp\u003EDoes the NBA require that any suits involving charges of excessive interest be heard in federal rather than state court?\u003C\/p\u003E\n","conclusion":"\u003Cp\u003EYes. In a 7-2 opinion delivered by Justice John Paul Stevens, the Court held that the National Bank Act preempted the state-law claim and provided the exclusive cause of action for usury claims against national banks. Thus, the claim arose under federal law. 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