Giannangeli v. Target National Bank, N.A.

ORDER AND JUDGMENT *

CARLOS F. LUCERO, Circuit Judge.

Plaintiff Marie Giannangeli filed a putative class action complaint against Target National Bank (“Target”), 1 alleging that Target committed usury by charging more than the seven percent maximum interest rate found in the National Banking Act (“NBA”), 12 U.S.C. §§ 85 & 86. The distinct court granted Target’s motion to dismiss. Exercising jurisdiction under 28 U.S.C. § 1291, we affirm.

I

Giannangeli’s complaint sets forth a simple factual premise. She obtained a Target “REDcard” credit card in 2009 and received a copy of the credit card…