A federal court in Florida followed decisions by the Fifth Circuit and several district courts in holding a state statute prohibiting banks from charging check-cashing fees to nondepositors preempted as applied to national banks. Baptista v. JP Morgan Chase Bank, N.A., 10-cv-139, 2010 WL 2342436 (M.D. Fl. June 4, 2010). The court deferred to the OCC’s interpretation of the NBA and its own regulations as authorizing national banks to charge these fees, noting “cashing of checks presented by the payee in person” is a “quintessential banking activity” that “falls squarely within the incidental powers granted national banks by the NBA.” Id. at *5.