{"argument_date":"2024-02-27T00:00:00Z","arguments":[{"argument_date":"2024-02-27T00:00:00Z","heading":"What happened at the argument","official_detail_url":"https://www.supremecourt.gov/oral_arguments/argument_transcript/2023","official_transcript_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","paragraphs":["Mr. Taylor argued that Section 25b preempts state laws only if they prevent or significantly interfere with bank powers.","Mr. Stewart argued that the word significantly carries legal weight and requires determining if the outlay is significant.","justice_thomas_questioned_how_barnett_bank_guides_interpretation_of_prevents_or_significantly_interferes","justice_kagan_asked_what_exactly_it_means_to_examine_practical_effect"],"reargument":false,"sequence":1,"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 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23-45","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 71, lines 23-45"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 72, lines 33-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 72, lines 33-49"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 72, lines 55-7","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 72, lines 55-7"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 73, lines 43-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 73, lines 43-49"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 74, lines 19-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 74, lines 19-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 74, lines 9-15","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 74, lines 9-15"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 84, lines 43-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 84, lines 43-49"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 9, lines 11-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 9, lines 11-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 9, lines 17-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 9, lines 17-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 9, lines 51-9","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 9, lines 51-9"}]}],"caption":"Cantero v. Bank of America, N.A.","case_history":[{"changed_at":"2026-08-29T20:06:15.793930Z","explanation":"An official oral-argument transcript was verified.","status":"argued"},{"changed_at":"2026-08-29T20:06:15.826636Z","explanation":"An official oral-argument transcript was verified.","status":"argued"},{"changed_at":"2026-08-29T23:55:59.806422Z","explanation":"An official Court opinion was verified.","status":"decided"}],"case_status":"decided","dek":"The dispute centers on the legal standard for determining when state consumer financial laws preempt federal banking authority.","dek_sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 124, lines 17-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 124, lines 17-29"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 48, lines 13-1","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 48, lines 13-1"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 23-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 5, lines 23-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 7-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 67, lines 7-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 84, lines 43-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 84, lines 43-49"}],"dispositions":[],"latest_court_document_date":"2024-02-27T00:00:00Z","maturity":"post_opinion","official_detail_url":"https://www.supremecourt.gov/oral_arguments/argument_transcript/2023","official_disposition_urls":["https://www.supremecourt.gov/opinions/23pdf/602us1r29_0861.pdf"],"official_docket_url":"https://www.supremecourt.gov/docket/docketfiles/html/public/22-529.html","primary_docket":"22-529","revisions":[{"correction_note":"Rewritten to the concise citizen-facing editorial standard.","created_at":"2026-08-30T16:11:06.643713Z","maturity":"post_opinion","revision_number":1},{"correction_note":"Migrated to the dated official Court activity contract without model use.","created_at":"2026-09-05T03:22:24Z","maturity":"post_opinion","revision_number":2}],"schema_version":"1.1","sections":[{"heading":"What this case is about","paragraphs":["The case asks how courts should interpret the phrase prevents or significantly interferes in federal banking law."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 124, lines 17-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 124, lines 17-29"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 48, lines 13-1","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 48, lines 13-1"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 23-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 5, lines 23-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 7-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 67, lines 7-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 84, lines 43-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 84, lines 43-49"}]},{"heading":"How the case got here","paragraphs":["The Supreme Court heard oral argument in this case on February 27, 2024."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 11-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 5, lines 11-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 71, lines 23-45","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 71, lines 23-45"}]},{"heading":"What each side wants","paragraphs":["the sides that brought the case want the Court to apply a practical effect test to determine preemption.","the opposing sides want the Court to apply a test that examines the significance of the interference."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 124, lines 17-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 124, lines 17-29"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 48, lines 13-1","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 48, lines 13-1"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 23-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 5, lines 23-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 7-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 67, lines 7-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 84, lines 43-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 84, lines 43-49"}]},{"heading":"What each side says","paragraphs":["the sides that brought the case argue that the practical effect of the state law determines whether it preempts federal powers.","the opposing sides argue that the word significantly requires a specific assessment of the interference's magnitude."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 124, lines 17-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 124, lines 17-29"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 48, lines 13-1","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 48, lines 13-1"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 23-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 5, lines 23-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 7-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 67, lines 7-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 84, lines 43-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 84, lines 43-49"}]},{"heading":"What the justices asked","paragraphs":["Justice Thomas asked how Barnett Bank guides the interpretation of prevents or significantly interferes.","Justice Kagan asked what it means to examine the practical effect of a state law."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 13-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 10, lines 13-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 33-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 11, lines 33-41"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 13, lines 29-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 13, lines 29-29"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 13, lines 35-1","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 13, lines 35-1"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 14, lines 15-25","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 14, lines 15-25"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 14, lines 31-39","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 14, lines 31-39"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 14, lines 9-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 14, lines 9-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 15, lines 7-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 15, lines 7-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 66, lines 51-1","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 66, lines 51-1"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 15-15","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 67, lines 15-15"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 17-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 67, lines 17-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 69, lines 27-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 69, lines 27-37"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 7, lines 19-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 7, lines 19-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 70, lines 23-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 70, lines 23-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 70, lines 29-15","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 70, lines 29-15"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 71, lines 23-45","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 71, lines 23-45"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 72, lines 33-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 72, lines 33-49"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 72, lines 55-7","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 72, lines 55-7"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 73, lines 43-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 73, lines 43-49"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 74, lines 19-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 74, lines 19-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 74, lines 9-15","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 74, lines 9-15"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 9, lines 11-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 9, lines 11-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 9, lines 17-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 9, lines 17-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 9, lines 51-9","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 9, lines 51-9"}]},{"heading":"Why it matters","paragraphs":["The outcome defines the boundary between state consumer protection laws and federal banking authority."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 124, lines 17-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 124, lines 17-29"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 48, lines 13-1","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 48, lines 13-1"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 23-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 5, lines 23-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 67, lines 7-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 67, lines 7-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 84, lines 43-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 84, lines 43-49"}]},{"heading":"What happens next","paragraphs":["This article currently covers the argument record. Use the official docket link for later case activity."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 13-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 10, lines 13-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 33-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 11, lines 33-41"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 13, lines 29-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 13, lines 29-29"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 13, lines 35-1","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 13, lines 35-1"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 14, lines 15-25","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 14, lines 15-25"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 14, lines 31-39","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 14, lines 31-39"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 14, lines 9-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2023/22-529_f64i.pdf","page_label":"file page 14, lines 9-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 15, lines 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