Opinion ID: 3037388
Heading Depth: 2
Heading Rank: 2

Heading: didmca

Text: [1] Wells Fargo held that California’s per diem statutes are not preempted by the DIDMCA. 419 F.3d at 969. Quicken 5600 QUICKEN LOANS, INC. v. WOOD attempts to argue that Wells Fargo should not be followed because it was decided by a three-judge panel rather than by the court sitting en banc, and that Wells Fargo’s DIDMCA discussion is dicta. In general, “one three-judge panel of this court cannot reconsider or overrule the decision of a prior panel.” United States v. Gay, 967 F.2d 322, 327 (9th Cir. 1992). Furthermore, the Wells Fargo DIDMCA discussion begins with the statement that “we must decide this substantive preemption issue.” Wells Fargo Bank N.A., 419 F.3d at 967. So much for “dicta,” and Quicken cannot distinguish Wells Fargo. Accordingly, the DIDMCA does not preempt the California per diem statutes here. As Quicken does not prevail on the merits, an injunction is not available. See Amoco Prod. Co. v. Village of Gambell, Alaska, 480 U.S. 531, 546 n.12 (1987).