What preemption authority applies when the current holder of the loan did not originate the loan? Two federal courts in California found that the charter of the originating lender governs even if the conduct at issue occurred after the loan was transferred to an entity governed by a different statutory scheme. Haggerty v. Wells Fargo Bank, N.A., C 10-02416, 2011 U.S. Dist. LEXIS 9962 (N.D. Cal. Feb. 2, 2011); Kahn v. World Sav. Bank, FSB, 10-CV-04057, 2011 U.S. Dist. LEXIS 2442 (N.D. Cal. Jan. 11, 2011). Although one of the cases involved origination-based claims and the other challenged the transferee’s actions, both courts concluded acquisition does not impact the applicable preemption law. Along the same lines, a Massachusetts bankruptcy court held that even though a state predatory lending statute was preempted by HOLA and the OTS regulations, the defendant federal thrift that had acquired the loan at issue could not assert the preemption defense because the originating lender was not a national bank or federal thrift. In re Thomas (Thomas v. CitiMortgage, Inc.) 10-40549, 2011 Bankr. LEXIS 472 (Bankr. D. Mass. Feb. 9, 2011).