M&T Bank v. Lewis

Summary

The court held that the filed rate doctrine, as applied by federal courts, concerns the merits of a claim rather than subject matter jurisdiction and therefore did not render the appeal moot. It further held that the defendant sufficiently pleaded unclean hands and breach of the implied covenant of good faith and fair dealing because the alleged undisclosed insurance kickbacks and excess charges related directly to enforcement and validity of the mortgage. The court reversed the foreclosure judgment and remanded for further proceedings.