States may not cap the interest rates offered to their citizens by federally chartered banks based in other states; a holding that contributed greatly to the growth of the credit card industry in the ensuing decades. Decided December 18, 1978 (argued October 31, 1978). Opinion of the Court: William J. Brennan → go there Topic: Federalism. Marquette Nat. Bank of Minneapolis v. First of Omaha Service Corp., 439 U.S. 299 (1978), is a unanimous U.S. Supreme Court decision holding that state anti-usury laws regulating interest rates cannot be enforced against nationally chartered banks based in other states. Justice William Brennan wrote that it was clearly the intent of Congress when it passed the National Banking Act that nationally chartered banks would be subject only to federal regulation by the Comptroller of Currency and the laws of the state in which they were chartered, and that only Congress or the appropriate state legislature could pass laws regulating them. Wiki link