⚖ Oral Arguments, with Context

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National Association of Industrial Bankers v. Weiser — 10th Cir. (Aug 18, 2026)

No. 24-1293 Argued August 18, 2026 Published August 19, 2026; updated September 5, 2026

The full Tenth Circuit reconsiders how far Colorado's opt-out from a federal banking law lets it enforce state interest-rate caps. A federal district court blocked enforcement against certain loans by out-of-state, state-chartered banks. Colorado says a borrower's location in Colorado brings a loan within the opt-out. Three banking trade groups say the bank's loan-making location controls, not the borrower's.

National Association of Industrial Bankers v. Weiser (No. 24-1293) — U.S. Court of Appeals for the Tenth Circuit, argued August 18, 2026.

Sources
Argument audio — Tenth Circuit:https://www.ca10.uscourts.gov/sites/ca10/files/oralarguments/24-1293_enbanc.mp3
Argument date and recording — Tenth Circuit:https://www.ca10.uscourts.gov/oralargument/search-results?field_oa_hearing_date_value%5Bmin%5D%5Bdate%5D=08%2F01%2F2026&field_oa_hearing_date_value%5Bmax%5D%5Bdate%5D=08%2F19%2F2026
Historical panel opinion — Tenth Circuit; judgment later vacated:https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111333659.pdf
En banc rehearing order — Tenth Circuit:https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111411559.pdf
Colorado officials' filed en banc response:https://afsaonline.org/wp-content/uploads/2026/07/CO-DIDMCA-Weiser-DEFENDANTS-APPELLANTS-EN-BANC-SUPPLEMENTAL-RESPONSE-BRIEF.pdf
Trade groups' filed en banc brief:https://www.consumerfinancemonitor.com/wp-content/uploads/sites/14/2026/06/Plaintiffs-Brief.pdf
David Gossett — current firm profile:https://www.dwt.com/people/g/gossett-david
David Gossett — independent FCBA event roster, page 3:https://www.fcba.org/wp-content/uploads/2025/07/FINAL-FCBA-News-July-2025.pdf
DIDMCA Section 521 — 12 U.S.C. § 1831d:https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title12-section1831d
DIDMCA Sections 521 and 525 — enacted statute:https://www.govinfo.gov/content/pkg/STATUTE-94/pdf/STATUTE-94-Pg132.pdf
Federal interest-rate authority — FDIC:https://www.fdic.gov/news/financial-institution-letters/2020/fil20065.html
Usury — OCC glossary:https://www.helpwithmybank.gov/glossary/index-glossary.html
Usury ceilings — CFPB official commentary:https://www.consumerfinance.gov/rules-policy/regulations/1026/2024-01-01/interp-18/

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