Skip to main content

Espin v. Citibank, N.A. (E.D.N.C.)


On March 2, 2023, the United States filed a Statement of Interest in Espin v. Citibank, N.A. (E.D.N.C.), a class action lawsuit brought under the Servicemembers Civil Relief Act (“SCRA”) by four servicemembers on behalf of a class of servicemembers who held credit cards issued by, or had other interest-bearing obligations to, the bank.  The complaint alleges that the defendant failed to comply with Section 3937 of the SCRA, which requires lenders to limit the interest rate charged to eligible servicemembers to 6% during periods of military service.  In its Statement of Interest, the United States argues that the SCRA gives servicemembers pursuing SCRA claims the right to participate in a class action case in federal court even where a defendant seeks to enforce a contract clause mandating individual arbitration. 

Press Release (3/2/2023)

Case Open Date
Case Name
Espin v. Citibank, N.A. (E.D.N.C.)
Servicemembers Initiative
Civil Rights
  • Servicemembers Civil Relief Act; SCRA; class action; military service; armed forces; ECF No 23; Civil War era; uniformed services;
Industry Code(s)
  • None
Updated March 24, 2023