In Re Schriock Constr., Inc., Debtor. First W. Bank & Trust v. Wayne Drewes, as Bankr. Tr. for Schriock Constr., Inc., 104 F.3d 200 (1st Cir. 1997). · Go Syfert
In Re Schriock Constr., Inc., Debtor. First W. Bank & Trust v. Wayne Drewes, as Bankr. Tr. for Schriock Constr., Inc., 104 F.3d 200 (1st Cir. 1997). Cases Citing This Book View Copy Cite
94 citation events (85 in the last 25 years) across 28 distinct courts.
Strongest positive: Stephanie Osborn and C&S Organics, LLC (nebraskab, 2025-09-12)
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Top citers, strongest first. 40 distinct citers. How cited ↗
cited Cited as authority (rule) Stephanie Osborn and C&S Organics, LLC
Bankr. D. Neb. · 2025 · confidence medium
Bank & Tr. v. Drewes (In re Schriock Const., Inc.), 104 F.3d 200, 203 (8th Cir. 1997) (citation omitted).
cited Cited as authority (rule) Joel Donald Kurtenbach
Bankr. D. Iowa · 2020 · confidence medium
Bank & Trust v. Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 201 (8th Cir. 1997)).
cited Cited as authority (rule) Starion Financial v. McCormick (In Re McCormick)
8th Cir. · 2016 · confidence medium
In re Schriock Constr., Inc., 104 F.3d 200, 201 (8th Cir.1997).
cited Cited as authority (rule) Starion Financial v. McCormick (In re McCormick)
8th Cir. BAP · 2014 · confidence medium
Bank & Trust v. Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 201 (8th Cir.1997)).
cited Cited as authority (rule) Starion Financial v. Stephen McCormick
8th Cir. BAP · 2014 · confidence medium
Bank & Trust v. Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 201 (8th Cir. 1997)).
examined Cited as authority (rule) Richard Garden, Jr. v. Central Nebraska Housing Corp. (4×)
8th Cir. · 2013 · confidence medium
Assuming that CNH can even challenge the sale, it cannot demonstrate prejudice, for, as set forth above, its $113,000 bid did not result in a valid contract between it and the trustee. 3) Whether CNH set forth sufficient evidence to create a material question of fact concerning its attorney’s fees CNH argues that the district court erred in granting the Robertses summary judgment on the issue whether the $7,553.57 in attorney’s fees were part of CNH’s secured claim. 2 Title 11, United States Code, Section 506 (b) allows an ov-ersecured creditor to recover “any reasonable fees, costs, o…
discussed Cited as authority (rule) Campbell v. Buckley (In Re Campbell)
Bankr. D. Mass. · 2009 · confidence medium
Bank & Trust v. Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 202 (8th Cir.1997) (allowing attorneys’ fees although state statute expressly stated that attorneys’ fees provisions in an instrument were against public policy and void); Joseph F. Sanson Inv.
discussed Cited as authority (rule) Tri-State Financial, LLC v. First Dakota National Bank
8th Cir. · 2008 · confidence medium
See id.; In re Schriock Const., Inc., 104 F.3d 200, 201 (8th Cir. 1997). 2 Section 502(b) states that, with certain exceptions in other subsections of section 502, “if [an] objection to a claim is made, the court, after notice and a hearing, shall determine the amount of such claim in lawful currency of the United States as of the date of the filing of the petition, and shall allow such claim in such amount . . . .” 11 U.S.C. § 502 (b).
discussed Cited as authority (rule) Tri-State Financial, LLC v. First Dakota National Bank
8th Cir. · 2008 · confidence medium
See id.; In re Schriock Const., Inc., 104 F.3d 200, 201 (8th Cir.1997). 2 .Section 502(b) states that, with certain exceptions in other subsections of section 502, “if [an] objection to a claim is made, the court, after notice and a hearing, shall determine the amount of such claim in lawful currency of the United States as of the date of the filing of the petition, and shall allow such claim in such amount....” 11 U.S.C. § 502 (b).
cited Cited as authority (rule) In Re Tri-State Ethanol Co., LLC
D.S.D. · 2007 · confidence medium
In re Schriock Construction, Inc., 104 F.3d 200, 202-03 (8th Cir. 1997).
cited Cited as authority (rule) In re Appeals from Orders of the Bankruptcy Court
Bankr. D.S.D. · 2007 · confidence medium
In re Schriock Construction, Inc., 104 F.3d 200, 202-03 (8th Cir. 1997).
discussed Cited as authority (rule) In Re Reorganized Lake Diamond Associates, LLC
Bankr. M.D. Fla. · 2007 · confidence medium
Bank & Trust v. Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 202-03 (8th Cir.1997) (holding that a North Dakota state statute prohibiting contractual provisions dealing with the payment of attorneys’ fees contained in a note or mortgage, etc., is inapplicable to § 506(b)); In re 268, Ltd., 789 F.2d 674, 675-76 (9th Cir.1986) (rejecting argument that because a contract is enforceable according to state law, the attorneys’ fees must be reasonable as well and holding that reasonableness under § 506(b) is to be determined by a federal standard); Blackburn-Bliss Trust v. Hudson Shipbu…
cited Cited as authority (rule) In Re WorldCom, Inc.
Bankr. S.D.N.Y. · 2007 · confidence medium
Bank & Trust v. Drewes (In re Schriock Constr.), 104 F.3d 200, 201 (8th Cir.1997).
discussed Cited as authority (rule) In Re Dwiggins (2×)
Bankr. W.D. Ark. · 2007 · confidence medium
Bank & Trust v. Drewes (In re Schriock Const., Inc.), 104 F.3d 200, 201 (8th Cir.1997) (citing In re Foertsch, 167 B.R. 555, 562 (Bankr.D.N.D.1994)). *722 The awarding of fees pursuant to section 506(b) does not depend on whether the creditor requesting fees prevailed in any type of action for which the services were provided.
discussed Cited as authority (rule) Washington Federal Savings Bank v. McGuier (In Re McGuier)
Bankr. W.D. Pa. · 2006 · confidence medium
In order to recover attorney fees and other expenses under Section 506(b), a creditor bears the burden of proving entitlement by establishing: (1) that it is ov-ersecured in excess of the fees requested; (2) that the fees are reasonable; and (3) that the agreement giving rise to the claim provides for attorney fees. 11 U.S.C. § 506 (b); In re Schriock Construction, Inc., 104 F.3d 200, 201 (8th Cir.1997); In re Green Valley Beer, 281 B.R. 253, 255 (Bankr.W.D.Pa.2002); In re Oliver, 183 B.R. 87, 92 (Bankr.W.D.Pa.1995).
discussed Cited as authority (rule) Miller v. Rabo Ag Services (In re Miller)
Bankr. E.D. Mo. · 2006 · confidence medium
“To recover attorneys’ fees under section 506(b), then, a creditor must establish: (1) that it is oversecured in excess of the fees requested; (2) that the fees are reasonable; and (3) that the agreement giving rise to the claim provides for attorney’s fees.” In re Schriock Construction, Inc., 104 F.3d 200, 201 (8th Cir.1997) (citing In re Foertsch, 167 B.R. 555, 562 (Bankr.D.N.D.1994)).
cited Cited as authority (rule) McGehee v. Cox (In Re Griffin)
8th Cir. BAP · 2004 · confidence medium
First Western Bank & Trust v. ' Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 201 (8th Cir.1997).
cited Cited as authority (rule) Mary McGehee v. Richard L. Cox
8th Cir. BAP · 2004 · confidence medium
First Western Bank & Trust v. Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 201 (8th Cir. 1997).
discussed Cited as authority (rule) In Re Leatherland Corp.
Bankr. N.D. Ohio · 2003 · confidence medium
Stephenson Supply Co.), 768 F.2d 580 (4th Cir.1985) (finding fee agreement enforceable notwithstanding creditor’s failure to comply with state law notice requirement); First Western Bank & Trust v. Drewes (In re Schriock Construction, Inc.), 104 F.3d 200, 201-2 (8th Cir. 1997) (finding § 506(b) provides for fees notwithstanding state law rendering the fee provision void as against public policy); In re Center, 282 B.R. 561 (Bankr.D.N.H.2002) (allowing attorney fees even if otherwise unenforceable under state law); In re AJ.
cited Cited as authority (rule) In Re Elk Creek Salers, Ltd.
Bankr. W.D. Mo. · 2003 · confidence medium
First Western Bank & Trust v. Drewes (In re Schriock Construction, Inc.), 104 F.3d 200, 201 (8th Cir.1997).
discussed Cited as authority (rule) In Re Center
Bankr. D.N.H. · 2002 · confidence medium
Bank & Trust v. Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 202 (8th Cir.1997) (allowing attorneys’ fees although state statute expressly stated that attorneys’ fees provisions in an instrument were against public policy and void); Joseph F. Sanson Inv.
discussed Cited as authority (rule) In Re University Towers Owners' Corp.
D. Conn. · 2002 · confidence medium
Bank & Trust v. Drewes (In re Schriock Constr.), 104 F.3d 200, 201 (8th Cir.1997) (To recover attorney’s fees under § 506(b), a creditor must establish: (1) that it is over-secured in excess of the fees requested; (2) that the fees are reasonable; and (3) that the agreement giving rise to the claim provides for attorney’s fees) (citations omitted).
discussed Cited as authority (rule) Daniel Welzel v. Advocate Realty Investments
11th Cir. · 2001 · confidence medium
Bank & Trust v. Drewes (In re Schriock), 104 F.3d 200, 203 (8th Cir. 1997) (§ 506(b) authorized award of fee notwithstanding contrary North Dakota law); Blackburn-Bliss Trust v. Hudson Shipbuilders, Inc. (In re Hudson Shipbuilders, Inc.), 794 F.2d 1051, 1058 (5th Cir. 1986) (federal law determines reasonableness of fee); Joseph F. Sansom Investment Co. v. 268 Ltd.
discussed Cited as authority (rule) Daniel Welzel v. Advocate Realty Investments
11th Cir. · 2001 · confidence medium
Bank & Trust v. Drewes (In re Schriock), 104 F.3d 200, 203 (8th Cir. 1997) (§ 506(b) authorized award of fee notwithstanding contrary North Dakota law); Blackburn-Bliss Trust v. Hudson Shipbuilders, Inc. (In re Hudson Shipbuilders, Inc.), 794 F.2d 1051, 1058 (5th Cir. 1986) (federal law determines reasonableness of fee); Joseph F. Sansom 11 Investment Co. v. 268 Ltd.
discussed Cited as authority (rule) Daniel Welzel v. Advocate Realty Investments
11th Cir. · 2001 · confidence medium
Bank & Trust v. Drewes (In re Schriock), 104 F.3d 200, 203 (8th Cir.1997) (§ 506(b) authorized award of fee notwithstanding contrary North Dakota law); Blackburn-Bliss Trust v. Hudson Shipbuilders, Inc. (In re Hudson Shipbuilders, Inc.), 794 F.2d 1051, 1058 (5th Cir.1986) (federal law determines reasonableness of fee); Joseph F. Sanson Investment Co. v. 268 Ltd.
discussed Cited as authority (rule) Daniel Welzel v. Advocate Realty Investments
11th Cir. · 2001 · confidence medium
Bank & Trust v. Drewes (In re Schriock), 104 F.3d 200, 203 (8th Cir.1997) (§ 506(b) authorized award of fee notwithstanding contrary North Dakota law); Blackburn-Bliss Trust v. Hudson Shipbuilders, Inc. (In re Hudson Shipbuilders, Inc.), 794 F.2d 1051, 1058 (5th Cir.1986) (federal law determines reasonableness of fee); Joseph F. Sanson Investment Co. v. 268 Ltd.
examined Cited as authority (rule) White v. Coors Distributing Co. (In Re White) (3×) also: Cited "see"
8th Cir. BAP · 2001 · confidence medium
Bank & Trust v. Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 201 (8th Cir.1997).
examined Cited as authority (rule) Richard B. White v. Coors Distributing (3×) also: Cited "see"
8th Cir. BAP · 2001 · confidence medium
Bank & Trust v. Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 201 (8th Cir. 1997). 9 Debtors somewhat inartfully point out that some case law and commentary suggests that applicable nonbankruptcy law governs the rate at which postpetition interest is awarded under § 506(b).
discussed Cited as authority (rule) In Re Daniel A. Welzel, Debtor. Daniel A. Welzel v. Advocate Realty Investments, Llc, in Re Daniel A. Welzel, Debtor. Advocate Realty Investments, LLC v. Daniel A. Welzel
11th Cir. · 2001 · confidence medium
Bank & Trust v. Drewes (In re Schriock), 104 F.3d 200, 203 (8th Cir. 1997) ( 506(b) authorized award of fee notwithstanding contrary North Dakota law); Blackburn-Bliss Trust v. Hudson Shipbuilders, Inc. (In re Hudson Shipbuilders, Inc.), 794 F.2d 1051, 1058 (5th Cir. 1986) (federal law determines reasonableness of fee); Joseph F. Sansom Investment Co. v. 268 Ltd.
discussed Cited as authority (rule) Welzel v. Advocate Realty Investments, LLC (In re Welzel)
11th Cir. · 2001 · confidence medium
Bank & Trust v. Drewes (In re Schriock), 104 F.3d 200, 203 (8th Cir.1997) (§ 506(b) authorized award of fee notwithstanding contrary North Dakota law); Bluckburn-Bliss Trust v. Hudson Shipbuilders, Inc. (In re Hudson Shipbuilders, Inc.), 794 F.2d 1051, 1058 (5th Cir.1986) (federal law determines reasonableness of fee); Joseph F. Sanson Investment Co. v. 268 Ltd.
discussed Cited as authority (rule) Welzel v. Advocate Realty Investments, LLC
11th Cir. · 2001 · confidence medium
Bank & Trust v. Drewes (In re Schriock), 104 F.3d 200, 203 (8th Cir.1997) (§ 506(b) authorized award of fee notwithstanding contrary North Dakota law); Blackburn-Bliss Trust v. Hudson Shipbuilders, Inc. (In re Hudson Shipbuilders, Inc.), 794 F.2d 1051, 1058 (5th Cir.1986) (federal law determines reasonableness of fee); Joseph F. Sanson Investment Co. v. 268 Ltd.
cited Cited as authority (rule) In Re Waterman
8th Cir. BAP · 2000 · confidence medium
See 11 U.S.C. § 506 (b); First Western Bank & Trust v. Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 201 (8th Cir.1997).
cited Cited as authority (rule) Stewart D. Waterman v. Lela F. Ditto
8th Cir. BAP · 2000 · confidence medium
See 11 U.S.C. § 506 (b); First Western Bank & Trust v. Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 201 (8th Cir. 1996).
discussed Cited as authority (rule) 1095 Commonwealth Corp. v. Citizens Bank of Massachusetts (In Re 1095 Commonwealth Corp.)
D. Mass. · 1999 · confidence medium
II, 139 F.3d at 688-89 (finding that an “analysis of § 506(b) and relevant case law ... confirms that § 506(b) preempts state law”); In re Schriock Constr., 104 F.3d 200, 201-02 (8th Cir.1997) (concluding that “the plain language of section 506(b) expressly provides for the award of attorney’s fees in bankruptcy proceedings, without reference to contrary state law”); In re Hudson Shipbuilders, 794 F.2d 1051, 1056 (5th Cir.1986) (holding that “Congress intended that federal law should govern the enforcement of attorneys’ fees provisions, notwithstanding contrary state law”); U…
discussed Cited as authority (rule) In Re Kord Enterprises Ii, a California Partnership, Debtor. Kord Enterprises Ii, a California Partnership v. California Commerce Bank (2×) also: Cited "see, e.g."
9th Cir. · 1998 · confidence medium
Bank & Trust v. Drewes (In re Schriock Constr., Inc.), 104 F.3d 200, 201 (8th Cir.1997), the court held that an oversecured creditor need only meet the requirements of § 506(b) to be eligible for attorneys’ fees.
discussed Cited "see" McCormick v. Starion Fin. (In Re McCormick)
8th Cir. · 2018 · signal: see · confidence high
See In re Schriock Constr., Inc. , 104 F.3d 200 , 201, 203 (8th Cir. 1997) (noting that the availability of attorney fees was governed by federal, not state law in the bankruptcy proceeding and that North Dakota law had no bearing on whether fees were available to an oversecured creditor).
discussed Cited "see" JP Morgan Chase Bank v. ELL 11, LLC
M.D. Ga. · 2008 · signal: see · confidence high
See In re Schriock Constr., Inc., 104 F.3d 200 (finding the plain language and legislative history of § 506(b) permit recovery of contractual attorney fees even though North Dakota law expressly voided the fees); In re K.H.
discussed Cited "see" Principal Residential Mortgage, Inc. v. Nash (2×)
N.D. · 2000 · signal: see · confidence high
See In re Schriock Construction, Inc., 104 F.3d 200, 201-02 (8th Cir.1997).
cited Cited "see, e.g." Enterprise Products Operating, L.P. v. Enron Gas Liquids Inc. (In Re Enron Corp.)
S.D.N.Y. · 2004 · signal: see, e.g. · confidence medium
See, e.g., In re Schriock Constr., Inc., 104 F.3d 200, 201 (8th Cir.1997). 64 .
discussed Cited "see, e.g." In Re Smith
Bankr. N.D. Fla. · 1999 · signal: see also · confidence medium
United States v. Ron Pair Enterprises, Inc., 489 U.S. 235, 241 , 109 S.Ct. 1026 , 103 L.Ed.2d 290 (1989); see also In re Schriock Construction, Inc., 104 F.3d 200, 201 (8th Cir.1997); In re Kord Enterprises II, 139 F.3d 684, 687 (9th Cir.1998).
Retrieving the full opinion text from the archive…
In Re SCHRIOCK CONSTRUCTION, INC., Debtor. FIRST WESTERN BANK & TRUST, Appellant,
v.
Wayne DREWES, as Bankruptcy Trustee for Schriock Construction, Inc., Appellee
95-4005.
Court of Appeals for the First Circuit.
Jan 8, 1997.
104 F.3d 200
1997 U.S. App. LEXIS 205
1997 WL 4768
Richard Olson, Minot, ND, argued, for appellant., Kip Kaler, Fargo, ND, argued (Tarek Howard, on the brief), for appellee.
Arnold, McMillian, Beam.
Cited by 55 opinions  |  Published
BEAM, Circuit Judge.

First Western Bank & Trust appeals the district court’s conclusion that the bankruptcy court properly denied First Western’s request for attorney’s fees and costs pursuant to 11 U.S.C. § 506(b). We reverse.

I. BACKGROUND

Beginning in 1991, First Western Bank & Trust extended several loans to Schriock Construction. The security agreement provided that Schriock would reimburse First Western “on demand for all costs of collection [of the loans] (including in each case all reasonable attorneys’ fees) incurred by [First Western] ..., including expenses incurred in any litigation or bankruptcy or insolvency proceeding.” The security agreement also contained a choice of law clause, specifying that the law of the borrower’s state, in this case North Dakota, would govern the note. The loans were secured by certain of Schriock’s equipment.

Schriock filed for bankruptcy under Chapter 11 in April of 1993. In May of 1994, the bankruptcy court converted the proceeding to a Chapter 7 liquidation. At that time, Schriock still owed First Western $441,-602.26. The Chapter 7 bankruptcy trustee liquidated Schrioek’s equipment for $1,080,-[*201] 175. First Western’s claim on the note was fully satisfied from the proceeds of the sale.

First Western then filed an application under 11 U.S.C. § 506(b), seeking reimbursement for $38,052.63 in attorney’s fees and costs. The bankruptcy trustee argued that First Western was not entitled to fees because its security agreement with Schriock did not, under North Dakota law, provide for such reimbursement. The bankruptcy court agreed with the trustee, and the district court affirmed. First Western now appeals.

II. DISCUSSION

We review the district court’s legal conclusions in bankruptcy proceedings de novo. Hammrich v. Lovald (In re Hammrich), 98 F.3d 388, 390 (8th Cir.1996). Our review of the district court’s interpretation of the Bankruptcy Code is also de novo. Graven v. Fink (In re Graven), 936 F.2d 378, 384-85 (8th Cir.1991).

Section 506(b) of the Bankruptcy Code allows oversecured creditors to recover certain postpetition costs:

To the extent that an allowed secured claim is secured by property the value of which, after any recovery under subsection (c) of this section, is greater than the amount of such claim, there shall be allowed to the holder of such claim, interest on such claim, and any reasonable fees, costs, or charges provided for under the agreement under which such claim arose.

11 U.S.C. § 506(b). As the Supreme Court has noted, “[r]eeovery of fees, costs, and charges ... is allowed only if [such fees] are reasonable and provided for in the agreement under which the claim arose. Therefore, in the absence of an agreement, postpe-tition interest is the only added recovery available.” United States v. Ron Pair Enters., Inc., 489 U.S. 235, 241, 109 S.Ct. 1026, 1030, 103 L.Ed.2d 290 (1989). To recover attorney’s fees under section 506(b), then, a creditor must establish: (1) that it is overse-cured in excess of the fees requested; (2) that the fees are reasonable; and (3) that the agreement giving rise to the claim provides for attorney’s fees. In re Foertsch, 167 B.R. 555, 562 (Bankr.D.N.D.1994) (citations omitted).

' The parties agree that First Western is an oversecured creditor. The trustee, however, argues even though the bank’s security agreement with Schriock states explicitly that Schriock must pay “all costs of collection ... including expenses incurred in any litigation or bankruptcy or insolvency proceeding,” the underlying agreement does not provide for the recoupment of attorney’s fees. According to the trustee, the security agreement’s fee provision is void under North Dakota law, which the agreement’s choice of law clause makes applicable to the loan documents. North Dakota Century Code § 28-26-04 provides that:

Attorney’s fee in instrument void. Any provision contained in any note, bond, mortgage, security agreement, or other evidence of debt for the payment of an attorney’s fee in case of default in payment or in proceedings had to collect such note, bond, or evidence of debt, or to foreclose such mortgage or security agreement, is against public policy and void.

We assume for the sake of discussion that the North Dakota statute would apply to the fees provision in the First Westem-Schriock security agreement. With this assumption, we are presented with the odd circumstance that the contract specifically allows for recovery of fees, yet purports to apply state law that would render the parties’ express provision void. The trustee argues that the fee provision is therefore void ab initio, and the underlying agreement thus does not provide for fees. The bankruptcy court agreed, concluding that “if an attorney fee provision is not valid and enforceable by an oversecured creditor outside of the bankruptcy context, it does not become enforceable merely as a consequence of being asserted in the context of a bankruptcy case.” In re Schriock Constr., Inc., 176 B.R. 176, 180 (Bankr.D.N.D. 1994).

But this case concerns the allowance of attorney’s fees under federal law, not state law. The appropriate question is not whether we should choose the North Dakota statute (which would void the fee agreement) or the federal bankruptcy code (which would[*202] allow it). Rather, we must consider whether the state statute can trump the federal statute. The trustee’s position, and the district court’s conclusion, would effectively convert the parties’ choice of law clause to an “anti-preemption” clause. Neither the plain language of section 506(b) nor its legislative history supports such an interpretation.

Section 506(b) itself does not direct us to state law. Rather, the statute provides that “there shall be allowed to [oversecured creditors] any reasonable fees, costs, or charges provided for under the agreement under which such claim arose.” The trustee asserts that the validity of the underlying agreement for recoupment of attorney’s fees must nevertheless be determined according to state law. It is true that “Congress has generally left the determination of property rights in the assets of a bankrupt’s estate to state law.” Butner v. United States, 440 U.S. 48, 54, 99 S.Ct. 914, 917, 59 L.Ed.2d 136 (1979); see also Chiu v. Wong, 16 F.3d 306, 309 (8th Cir.1994). But such state law inquiries are not appropriate when- “some federal interest requires a different result.” Butner, 440 U.S. at 55, 99 S.Ct. at 918. Here, the plain language of section 506(b) expressly provides for the award of attorney’s fees in bankruptcy proceedings, without reference to contrary state law. See Joseph F. Sanson Invest. Co. v. 268 Ltd. (In re 268 Ltd.), 789 F.2d 674, 677 (9th Cir.1986) (concluding that Butner does not require determination of section 506(b) claims according to state law).

The legislative history of section 506(b) supports this common sense reading of its text. As numerous courts have pointed out, the House and Senate passed different drafts of the provision. See, e.g., Blackburn-Bliss Trust v. Hudson Shipbuilders, Inc., 794 F.2d 1051 (5th Cir. 1986) (In re Hudson Shipbuilders ), 794 F.2d 1051, 1056 (5th Cir.1986); 268 Ltd., 789 F.2d at 676; Unsecured Creditors’ Comm. v. Walter E. Heller & Co. (In re K.H. Stephenson Supply Co.), 768 F.2d 580, 584 (4th Cir.1985). The amended House version of the statute provided that “[tjhere shall be allowed to the holder of such claim, to the extent collectible under applicable law ... any reasonable fees.” H.R. 8200, 95 Cong., 1st Sess. § 506(b) (1977). The Senate bill made no such reference to “under applicable law.” See S. 2266, 95 Cong., 2d Sess. § 506(b) (1978). The conference committee adopted and Congress enacted the Senate language. Furthermore, the floor managers of the bill, Representative Edwards and Senator DeConcini, both reported to Congress during consideration of the conference committee version that the committee had rejected the House’s qualifying language:

Section 506(b) of the House amendment adopts language contained in the Senate amendment and rejects language contained in H.R. 8200 as passed by the House. If the security agreement between the parties provides for attorneys’ fees, it will be enforceable under title 11, notwithstanding contrary law....

124 Cong. Rec. 32,350, 32,398 & 33,989, 33,997 (1978) (emphasis added). The statements by Senator DeConcini and Representative Edwards are fully consistent with our view of the text of section 506(b), and we believe that the statements are entitled to considerable weight. Cf. Wamsganz v. Boatmen’s Bank, 804 F.2d 503, 505 (8th Cir.1986) (relying in part on statements by DeConcini and Edwards in interpreting the Bankruptcy Code).

A clear majority of courts have so interpreted section 506(b) and have rejected arguments similar to those the trustee advances. See 3 Collier on Bankruptcy § 506.05, at 506-52 to 506-54. In Heller, 768 F.2d at 585, the court held that a creditor was entitled to attorney’s fees under section 506(b) even though it had failed to comply with a state statute requiring creditors to give notice and a chance to cure within five days of a debt- or’s default. Similarly, two circuits have held that fees otherwise enforceable under state law were still subject to section 506(b)’s requirement that fees be “reasonable.” Hudson Shipbuilders, 794 F.2d at 1058; 268 Ltd., 789 F.2d at 675.

The trustee argues that these cases are inapposite because they involved “procedural” issues and the reasonableness of fees, rather than the validity of the underlying agreement. This is a distinction without a difference. The language of section 506(b) certainly draws no substance-procedure dis-[*203] tinetion between state law prohibitions on fee recovery. Indeed, at least two courts have held that creditors can collect fees under section 506(b) pursuant to an agreement that would be void under otherwise applicable state law. In In re Bristol, 92 B.R. 276, 277-78 (Bankr.S.D.Ohio 1988), the bankruptcy court gave effect to a provision allowing for recovery of attorney’s fees contained in a mortgage deed, even when otherwise applicable state law would not have enforced the provision. Similarly, in In re American Metals Corp., the bankruptcy court enforced a fee provision proscribed under arguably applicable state law. 31 B.R. 229, 234 (Bankr.D. Kan. 1983).

Unlike Bristol and American Metals, the parties in this case expressly provided that state law would govern the contract. In this vein, the district court explained that its conclusions “may have been different had the security agreement itself not said North Dakota law would govern or if the provision for payment [of] attorney fees to the bank was contained in a separate agreement.” In re Schriock Constr., Inc., No. 93-30366, slip op. at 5 (D.N.D. filed Nov. 1, 1995). The point of the court’s reference to a “separate agreement” is that section 28-26-04 of the North Dakota statutes voids a provision entitling a secured creditor to attorney’s fees only if it is contained in the security agreement itself or in some other instrument “relate[d] to the payment of a debt.” Farmers Union Oil Co. v. Maixner, 376 N.W.2d 43, 49 (N.D.1985). As the trustee acknowledged in the proceedings below, a side agreement providing for fees in this case might well have been enforceable under North Dakota law. Given this rather fine technical nicety, we are even less inclined to find that state law overrules section 506(b).

Further, we see no reason why the parties’ use of a choice of law clause should require us to look to state law to determine whether the security agreement provides for attorney’s fees. Presumably, a court construing the contract outside the bankruptcy context would, under accepted choice of law principles, apply North Dakota law even in the absence of the parties’ explicit choice. But with or without the parties’ choice of law provision, we simply do not need to consider North Dakota law in considering First Western’s claim for attorney’s fees. See American Metals, 31 B.R. at 234. Section 506(b) does not require creditors to forego the common contractual tool of choice of law provisions in order to have the benefit of federal bankruptcy law. We disagree with the bankruptcy court’s reasoning that it is mere happenstance that a fee provision unenforceable under state law would be given effect in bankruptcy proceedings; rather, that is the clearly intended effect of section 506(b).

The trustee argues that this view of section 506(b) renders the statute’s requirement of an underlying agreement to repay fees superfluous, but such clearly is not so. Had the security agreement between First Western and Schriock not contained a paragraph expressly providing for recoupment of fees, or had expressly disallowed fees, there is no question that section 506(b) would not apply. Indeed, section 506(b) would be superfluous if the validity of an explicit fee provision were dependent on state law. “Section 506(b) says that the oversecured creditor may get reasonable attorney’s fees if the agreement so provides. It does not say that the right is dependent on state law. Section 506(b), therefore, establishes a federal right to reasonable attorney’s fees for the overse-cured creditor irrespective of state law.” In re McGaw Property Management, Inc., 133 B.R. 227, 230 (Bankr.C.D.Cal.1991). The security agreement between the bank and Schriock did, in fact, provide for recoupment of attorney’s fees in bankruptcy proceedings, and North Dakota law cannot bar a fee recovery under section 506(b).

III. CONCLUSION

For the foregoing reasons, we reverse the district court’s conclusion that the security agreement between Schriock and First Western does not provide for recovery of attorney’s fees in bankruptcy proceedings. We remand this case to the district court so that it may be returned to the bankruptcy court for the award of a reasonable fee.