Has anyone had a chance to read the OCC's issuance from yesterday? This part of the issuance really intrigued me:

"Other parts of the Georgia law that were also found to be preempted include:
* Provisions that purport to limit the interest a national bank can charge for loans. Permissible interest rates for national banks are determined under federal law based on the most favorable rate in the state in which the bank is located, which for National City is Indiana.
* Provisions that purport to limit the non-interest fees a national bank can charge in connection with a loan, since these provisions are inconsistent with the well-recognized right of a national bank to establish fees based on the National Bank Act and OCC regulations.

Do you think this is going to have an effect on Texas fees and interest rates?

I am not an attorney, but I don't think so. There are other areas where a NB has more latitude but I was told that the OCC will support state laws on fees and rates. But this is more an opinion for counsel or the OCC to render.