Court Rules
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CoalitionLow RiskMultistate

Coalition of Attorneys General Urges Denial of Opportunity Financial Merger

Opportunity Financial, LLCAugust 6, 2026Connecticut Attorney General

Summary

Attorney General Tong joined a coalition of 17 attorneys general in sending letters to the Office of the Comptroller of the Currency and the Federal Reserve Board, urging them to deny Opportunity Financial's application to acquire BNC National Bank. The merger would grant OppFi a national bank charter, allowing it to circumvent state lending laws and charge triple-digit interest rates, posing risks to consumers and the banking system.

Contract Impact

In-house legal teams should review any agreements with lenders, banking partners, or financial institutions to ensure compliance with state lending laws and interest rate caps. They should check for change of control provisions that might be triggered by mergers or acquisitions, and ensure that counterparties cannot circumvent state consumer protection laws through federal preemption. Additionally, they should review any 'rent-a-bank' arrangements or partnerships with national banks to assess the risk of high-cost lending practices.

Contract Search Terms

interest rate caprent-a-banknational bank charterstate lending lawshigh-cost loanconsumer protectionmerger agreementchange of controlcompliance with lawsusury laws

Laws Cited

National Bank ActState Usury Laws

Violation Types

Entity Details

Entity

Opportunity Financial, LLC

Industry

Financial Services

Multistate Coalition

Official Sources

Source Evidence

Entity Name
"Opportunity Financials’ (OppFi)"
Laws Cited
"National Bank Act"
Violation Types
"circumvent longstanding state lending laws"

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