Mazaika v. Bank One, Columbus, N.A.

The issue in this appeal is whether Pennsylvania law may invalidate fees charged to a credit card holder residing in Pennsylvania, where the credit card was issued by a national bank located in Ohio, under whose law such charges are deemed lawful interest. A majority of the Court, after care*130fully considering this issue, concludes that it is the legislature in Pennsylvania and not the law of the state in which a national bank is located which determines the charges to be made to bank customers who reside in Pennsylvania. Unfortunately, the majority’s decision is contrary to the decisions of…