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National Law Review
National Law Review
7/24/2026
The original headline is: "States and Former FDIC Officials Back Colorado in DIDMCA Rate-Exportation Appeal"

The original headline is: "States and Former FDIC Officials Back Colorado in DIDMCA Rate-Exportation Appeal"

Original: States and Former FDIC Officials Back Colorado in DIDMCA Rate-Exportation Appeal

Short summary

A coalition of 12 states and two former FDIC officials filed amicus briefs supporting Colorado's DIDMCA rate-exportation opt-out before the Tenth Circuit en banc. The states frame the dispute as a state sovereignty issue, while former FDIC Chairman Gruenberg and former CFPB Director Cordray argue Section 525's language intentionally differs from Section 521. The outcome could significantly impact mortgage lenders and creditors relying on federal rate-exportation for interstate loans.

  • 11 states plus DC and two former FDIC officials back Colorado in DIDMCA appeal
  • Dispute centers on whether state interest-rate limits apply to out-of-state bank loans to residents
  • Tenth Circuit en banc decision could reshape interstate lending and rate-exportation frameworks

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