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No credit checks. It further claimed that the arbitrator will likely not use “any law other as compared to legislation of this Cheyenne River Sioux Tribe of Indians for this contract. ” Id. Viewing the language into the arbitration supply with the loan agreement’s selection of legislation supply, the Fourth Circuit held that the arbitration contract had been unenforceable given that it took the “forbidden step” of “flatly and categorically renouncing the authority of this federal statutes to which it really is and must stay subject. ” Hayes, 811 F. 3d at 675 In so concluding, Fourth Circuit cited to Supreme Court precedent which shows that, while an arbitration contract is legitimate where it delegates federal statutory liberties to an arbitrator, it offers cautioned that the freedom “does maybe maybe maybe not expand to a ‘substantive waiver of federally protected civil legal rights’ within an arbitration contract. ” Id. At 674 (citing Penn Plaza LLC v. Pyett, 556 U.S. 247, 273, 129 1456, 1732d 398 (2009) ).