James Keith Eudaley v. U.S. Bank National Association

Syllabus

A loan was secured by a deed of trust on the borrower's real property. When the borrower repaid the loan in full, the bank paid a fee to record a deed of release. The bank then sought reimbursement of the fee from the borrower. The borrower filed a putative class action suit, alleging that Tennessee law prohibited the bank from seeking reimbursement of the recording fee. The trial court dismissed the complaint, concluding that federal regulations preempted the borrower's claims. We affirm.