On August 1st, the Ninth Circuit held that the National Bank Act ("NBA") does not preempt state debt collection laws. The regulations implementing the NBA contain a savings clause explicitly listing state laws that are not preempted, including state laws pertaining to contracts and rights to collect debts. Moreover the state law at issue involves post-repossession notices that are disclosures and are not considered credit-related documents. Aguayo v. U.S. Bank.