Cuomo v. Clearing House Association, L. L. C., 557 U.S. 519 (2009), was a case decided by the United States Supreme Court. In a 5-4 decision, the court determined that a federal banking regulation did not pre-empt the ability of states to enforce their own fair-lending laws. The Court determined that the Office of the Comptroller of the Currency is the sole regulator of national banks but it does not have the authority under the National Bank Act to pre-empt state law enforcement against national banks.