W. J. Usery, Jr., Secretary of Labor, United States Department of Labor v. First National Bank of Arizona, a National Banking Association

KENNEDY, Circuit Judge:

This case involves the enforcement and administration of the Consumer Credit Protection Act (Act), 15 U.S.C. § 1671 et seq. The question presented is whether a bank served with a garnishment directed at a depositor’s account is required to determine the depositor’s right to a wage earn er’s exemption under the Act, and, if so, whether the bank is required ‘co calculate the amount of that exemption before honoring the garnishment. Contrary to the position urged by the Secretary of Labor, we hold that a bank is not required to make such determinations, and we affirm the…