276 F.3d 1008 (8th Cir. 2002) IN RE: US BANCORP LITIGATION, ALSO KNOWN AS U.S. BANK NATIONAL ASSOCIATION LITIGATIONJAMES D. KOENIG, ON BEHALF OF HIMSELF, AND THE CLASS OF SIMILARLY SITUATED CONSUMERS; PHILLIPPA SAUNDERS, ON BEHALF OF HERSELF AND OTHERS SIMILARLY SITUATED; BARBARA A. MANS; MICHAEL J. MANS, INDIVIDUALLY, AND ON BEHALF OF A CLASS […]