Benjamin Thayer and Emily Hay v. BMO Bank, N.A.

UNITED STATES DISTRICT COURT DISTRICT OF MINNESOTA BENJAMIN THAYER and EMILY Case No. 25-cv-3801 (LMP/DLM) HAY, Plaintiffs, ORDER v. BMO BANK, N.A., Defendant. Plaintiffs Benjamin Thayer and Emily Hay (“Plaintiffs”) filed a complaint against Defendant BMO Bank, N.A. (“BMO”), alleging they deposited a cashier’s check into their bank account with BMO, but BMO did not make any funds from the check available to them by the next day in violation of the Expedited Funds Availability Act (“EFAA”); Title 12, Chapter II, Subchapter A, Part 229 of the Code of Federal Regulations (“Regulation CC”); and…