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After a BankOne Chicago customer deposited a check drawn on a Midwest Bank and Trust account, the check was forwarded, but returned unpaid because BankOne\u0027s endorsement stamp was illegible. Subsequently, when the check was resubmitted, the account did not have sufficient funds to cover the withdrawal. Bank One then sued Midwest Bank for failing to meet its obligations prescribed by the Board of Governors of the Federal Reserve System (Board) pursuant to the act. The District Court entered summary judgment for BankOne. The Court of Appeals, vacating the lower court\u0027s decision, ordered the action dismissed for lack of subject-matter jurisdiction. The appellate court held that the act authorizes original federal-court jurisdiction only when a \u0022person other than [a] depository institution\u0022 sues a \u0022depository institution,\u0022 or when a depositor sues a bank.\u003C\/p\u003E\n","question":"\u003Cp\u003EDoes the Expedited Funds Availability Act provide for federal-court jurisdiction only in suits between customers and banks?\u003C\/p\u003E\n","conclusion":"\u003Cp\u003ENo. In an opinion delivered by Justice Ruth Bader Ginsburg, the Court held that the act provides for federal-court jurisdiction not only in suits between customers and banks, but also in cases initiated by one bank against another bank. Justice Ginsburg wrote for the Court that section 4010 of the act authorizes claims for relief that are enforceable in federal court. Moreover, Justice Ginsburg continued, \u0022it is implausible that Congress directed the Board to handle such disputes administratively, for [section 4010] does not explicitly confer adjudicatory authority on the Board, nor set forth the relevant procedures for resolution of private disputes.\u0022 Justices John Paul Stevens and Antonin Scalia wrote concurring opinions.\u003C\/p\u003E\n","advocates":[{"advocate":{"ID":39139,"name":"Robert G. Epsteen","href":"https:\/\/api.oyez.org\/people\/robert_g_epsteen","view_count":0,"last_name":"Epsteen","roles":null,"thumbnail":null,"length_of_service":0,"identifier":"robert_g_epsteen"},"advocate_description":"Argued the cause for the respondent","href":"https:\/\/api.oyez.org\/case_advocate\/case_advocate\/16612"},{"advocate":{"ID":31838,"name":"Jeffrey P. 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