Wisconsin State Court Complaint in Ermilio v. TAB Bank (Riegle-Neal)

This is a 2021 state court complaint alleging that, in a rent-a-bank situation, the credit agreements with an out-of-state bank did not comply with Wisconsin's non-interest rate regulation of consumer credit.  Although not stated in the complaint, the bank could not rely on Riegle-Neal preemption as to Wisconsin non-interest rate regulation because TAB Bank had no branches in Wisconsin.  As a result, it had to comply with Wisconsin non-interest rate regulation and not that of its home state regulation.  The case was removed to federal court and the federal case resulted in judgment for the consumer.  The case was brought by  Eric L. Crandall.