The Clearing House is a banking association and payments company owned by the largest commercial banks in the United States. The Clearing House is the parent organization of The Clearing House Payments Company L.L.C., which owns and operates core payments system infrastructure in the United States, including ACH, wire payments, check image clearing, and real-time payments through the RTP network, a modern real-time payment system for the U.S. Supporting services include The Clearing House Payments Authority (a payments association with over 1,000 financial institution members and corporate subscribers) and ECCHO (an entity develops and maintains rules that govern private sector check image exchange for its members, and also engages in lobbying and education). Membership Members of The Clearing House include JPMorgan Chase & Co., Bank of America Corp., Citigroup Inc., Bank of New York Mellon Corp., Deutsche Bank AG, U.S. Bancorp and Wells Fargo & Co. The Clearing House Payments Company, an organization owned by the same banks, was established in New York in 1853 for the purpose of processing transactions among banks. It has offices in New York, North Carolina, Texas, and Michigan. Bank of America Bank of the West Barclays The Bank of New York Mellon Capital One Citi Citizens Comerica Deutsche Bank Fifth Third Bank HSBC Huntington JPMorgan Chase KeyBank M&T Bank MUFG Union Bank PNC Regions Bank Santander TD Bank Truist U.S. Bank Wells Fargo Lawsuits In September 2009, the Clearing House joined a lawsuit in support of the Federal Reserve after a federal court in New York ruled against the Fed. Filed by Bloomberg News under the Freedom of Information Act, the lawsuit, Bloomberg L.P. v. Board of Governors of the Federal Reserve System, sought records showing where the Fed had lent $2 trillion of taxpayer funds during the bank bailout of the financial crisis of 2008. The Clearing House has filed an appeal before the United States Supreme Court on October 26, 2010. The case was appealed but ultimately rejected on March 21, 2011. The Federal Reserve was required to release the data within five days to Bloomberg L.P. The Clearing House was also sued by the State of New York in Andrew Cuomo v. Clearing House Association, LLC to determine whether the U.S. Treasury's Office of the Comptroller of the Currency (OCC) had the authority to preempt a state's right to enforce its own fair lending laws against national banks. A 5–4 decision