Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-ca6-15-06092/USCOURTS-ca6-15-06092-0/pdf.json

Nature of Suit Code: 430
Nature of Suit: Banks and Banking
Cause of Action: 

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NOT RECOMMENDED FOR PUBLICATION

File Name: 16a0209n.06

No. 15-6092

UNITED STATES COURT OF APPEALS

FOR THE SIXTH CIRCUIT

BRACKFIELD & ASSOCIATES PARTNERSHIP, 

aka Brackfield & Associates, G.P.; EUGENE

BRACKFIELD, JR.,

Plaintiffs-Appellants,

v.

BRANCH BANKING AND TRUST COMPANY,

Defendant-Appellee.

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ON APPEAL FROM THE 

UNITED STATES DISTRICT 

COURT FOR THE EASTERN 

DISTRICT OF TENNESSEE

BEFORE: DAUGHTREY, MOORE, and GRIFFIN, Circuit Judges. 

GRIFFIN, Circuit Judge. 

The Right to Financial Privacy Act (“RFPA”), 12 U.S.C. § 3401 et seq., limits the ability 

of the federal government to obtain customers’ financial information from banks. Plaintiffs 

contend defendant violated the RFPA by filing a listing of their assets and debts in the public 

record, therefore providing the “entire world” with “free and open access” to the financial

information. Because the “entire world” necessarily includes the federal government, plaintiffs 

conclude defendant’s actions ran afoul of the RFPA. We agree with the district court that 

plaintiffs do not satisfy Article III’s injury in fact requirement and therefore affirm. 

I.

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Brackfield & Associates Partnership (owned by its general partner, Eugene Brackfield, 

collectively, “Brackfield”) is a customer of defendant Branch Banking and Trust Company 

(“BB&T”). BB&T granted Brackfield an open line of credit on the condition that Brackfield 

provide BB&T with “detailed information regarding its financial condition, including . . . 

spreadsheets showing the assets and liabilities of Brackfield.” These spreadsheets “contain 

information that a reasonably prudent business person would not voluntarily disclose to the 

general public.” 

On March 8, 2011, BB&T filed a UCC financing statement with the Tennessee Secretary 

of State. The filing attached “a complete listing of the assets and liabilities of Brackfield.” 

BB&T also recorded the same UCC financing statement and listing with the Register of Deeds 

for Knox County, Tennessee. Brackfield discovered these filings in 2013. After Brackfield 

informed BB&T that it had placed its assets and liabilities into the public record, BB&T

“undertook some effort to correct the record . . . by filing an amended UCC financing statement”

with the Secretary of State. On March 22, 2013, BB&T also recorded this amended financing 

statement with the Register. These filings still contained sensitive financial records. 

Brackfield filed suit, alleging violations of the RFPA and breach of contract. Key to 

Brackfield’s theory is that these filings “became a public record to which the entire world had 

free and open access,” which necessarily includes “Government authorities” as defined by the 

RFPA. As a result of its financial records now in the public domain, Brackfield contends the 

filings adversely affected its creditworthiness: Brackfield was “unable to obtain credit and/or . . . 

unable to obtain credit on terms comparable or as favorable to those that would have been 

extended to Brackfield in the absence of” these filings. It also requests statutory and other

damages. 

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The district court dismissed plaintiffs’ RFPA claim, reasoning that Brackfield had not 

sufficiently alleged Article III standing—it had neither shown a concrete and particularized 

injury, nor drawn a causal connection between its alleged injury and the conduct complained of. 

It then declined to exercise supplemental jurisdiction over Brackfield’s remaining state law 

claim. Brackfield appeals this dismissal. 

II.

Whether a party has standing is a question of law that we review de novo. Murray v. U.S. 

Dep’t of Treasury, 681 F.3d 744, 748 (6th Cir. 2012). At the pleading stage, we decide standing 

questions by examining the complaint and any accompanying materials. Id. “The burden of 

establishing standing is on the party seeking federal court action.” Rosen v. Tenn. Comm’r of 

Fin. & Admin., 288 F.3d 918, 927 (6th Cir. 2002) (citing Lujan v. Defenders of Wildlife,

504 U.S. 555, 561–62 (1992)). To satisfy the Constitution’s standing requirement, a party must 

establish that: 

(1) he or she has suffered an “injury in fact” that is (a) concrete and particularized 

and (b) actual or imminent, not conjectural or hypothetical; (2) the injury is fairly 

traceable to the challenged action of the defendant; and (3) it is likely, as opposed 

to merely speculative, that the injury will be redressed by a favorable decision. 

Fieger v. Michigan Supreme Court, 553 F.3d 955, 962 (6th Cir. 2009) (citation omitted). 

III.

The RFPA has its origins in the Supreme Court’s decision in United States v. Miller, 

where the Court found there was not a “legitimate expectation of privacy concerning the 

information kept in bank records.” 425 U.S. 435, 442 (1976). Enacted in response, the RFPA 

“protect[s] the customers of financial institutions from unwarranted intrusion into their records 

while at the same time permitting legitimate law enforcement activity by requiring federal 

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agencies to follow established procedures when seeking a customer’s financial records.” 

Anderson v. La Junta State Bank, 115 F.3d 756, 758 (10th Cir. 1997) (citation omitted). It 

“outlines numerous restrictions on the disclosure of financial records held by bank employees 

and federal regulatory authorities[, and specifically] . . . imposes an affirmative duty on . . . 

banking officials to safeguard the financial records of individuals utilizing the services of banks.” 

In re Knoxville News-Sentinel Co., Inc., 723 F.2d 470, 476 (6th Cir. 1983). 

The RFPA proscribes both financial institution and governmental conduct. The pertinent 

language governing financial institutions is as follows: 

No financial institution, or officer, employees, or agent of a financial institution, 

may provide to any Government authority access to or copies of, or the 

information contained in, the financial records of any customer except in 

accordance with the provisions of this chapter. 

§ 3403(a). Relatedly, § 3402 applies to governmental conduct, and provides (with exceptions 

not applicable here) that: 

No Government authority may have access to or obtain copies of, or the 

information contained in the financial records of any customer from a financial 

institution. 

The RFPA defines “Government authority” as “any agency or department of the United States, 

or any officer, employee, or agent thereof.” § 3401(3). And finally, it grants a private right of 

action to customers of financial institutions whose financial records or information is obtained or 

disclosed in violation of the act. § 3417(a). 

Brackfield anchors its injury in fact only in BB&T’s alleged violation of the RFPA, 

expressly conceding it does not “assert ‘constitutional standing’” beyond the RFPA’s statutory 

grant. “Congress ‘has the power to create new legal rights, [including] right[s] of action whose 

only injury-in-fact involves the violation of that statutory right.’” Beaudry v. TeleCheck Servs., 

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Inc., 579 F.3d 702, 707 (6th Cir. 2009) (quoting In re Carter, 553 F.3d 979, 988 (6th Cir. 2009)) 

(alterations in original).1“[O]nce a statute confers new legal rights on a person, that person will 

have Article III standing to sue where the facts establish a concrete, particularized, and personal 

injury to that person as a result of the violation of the newly created legal rights.” Imhoff Inv., 

L.L.C. v. Alfoccino, Inc., 792 F.3d 627, 633 (6th Cir. 2015) (internal quotation marks omitted). 

“Sierra Club [v. Morton, 405 U.S. 727 (1972),] instructs courts that ‘the inquiry as to standing 

must begin with a determination of whether the statute in question authorizes review at the 

behest of the plaintiff.’” Am. Civil Liberties Union v. Nat’l Sec. Agency, 493 F.3d 644, 659 n.19 

(6th Cir. 2007) (quoting Sierra Club, 405 U.S. at 732). “Thus the analysis of whether the 

plaintiffs have standing to bring a statutory claim necessarily requires a determination of whether 

the plaintiffs were injured under the relevant statute.” Id. 

But here, Brackfield has not plausibly alleged an invasion of his statutory rights under the 

RFPA. See White v. United States, 601 F.3d 545, 551–52 (6th Cir. 2010). Brackfield asks that 

we focus on the RFPA’s “access to” language, and broadly read it as authorizing liability when a 

financial institution “provide[s] the government with the means to obtain . . . financial records, 

without regard to whether the government took advantage of that opportunity.” We disagree for 

three main reasons. 

First, “[t]he most salient feature of the [RFPA] is the narrow scope of the entitlements it 

creates.” S.E.C. v. Jerry T. O’Brien, Inc., 467 U.S. 735, 745 (1984). Were we to adopt 

Brackfield’s approach to statutory construction, we would greatly broaden its interpretation. 

 

1

The parameters of this power are currently up for debate. See Robins v. Spokeo, Inc., 

742 F.3d 409, 413–14 (9th Cir. 2014) (“[A]lleged violations of . . . statutory rights are sufficient 

to satisfy the injury-in-fact requirement of Article III.”) (citing Beaudry, 579 F.3d at 707), cert.

granted, 82 U.S.L.W. 3689 (April 27, 2015) (No. 13-1339). 

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Second, Brackfield’s view that disclosure to the public at large constitutes “providing 

Government authorities access” would render § 3403(a)’s “provide to” language meaningless. 

See GGNSC Springfield LLC v. N.L.R.B., 721 F.3d 403, 410 (6th Cir. 2013) (when interpreting 

statutes, we avoid readings to render terms superfluous). And third, it would require us to read 

the “access to” term in § 3403 differently than all of its other uses across the statute, which make 

clear that “access to” relates to Government authorities obtaining or attempting to obtain 

financial records. See §§ 3402 (prohibiting Government authorities from obtaining financial 

records unless, among others, the records “are disclosed in response” to subpoenas, search 

warrants, etc.), 3409(c) (governing notice requirements for “[w]hen access to financial records is 

obtained”), 3413(h)(5) (providing that upon notice that financial records are being obtained by 

Government authorities relating to a potential civil, criminal, or regulatory violation, “such 

agency or department may then seek access to the records”), 3414(a)(3) (prohibiting financial 

institutions from disclosing the fact “that the Government authority or the Secret Service has 

sought or obtained access to a customer’s financial records” in cases of national security). But it 

is well-settled that, generally speaking, “identical words used in different parts of the same act 

are intended to have the same meaning.” Taniguchi v. Kan Pac. Saipan, Ltd., 132 S. Ct. 1997, 

2005 (2012) (citation and internal quotation marks omitted). 

Brackfield’s imaginative statutory argument to the contrary fails Article III’s concrete 

and particular hurdle. It does not allege that BB&T “provided” its financial information to a 

“Government authority.” Nor does it allege that a “Government authority” possesses its 

financial records. Rather, it banks on the suppositional notion that by placing Brackfield’s 

financial statements into the public record, BB&T provided “Government authorities” with 

access to its financial records in violation of § 3403. This speculative pleading falls short of 

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alleging BB&T actually provided any Government authority with access to Brackfield’s 

financial information in violation of the RFPA. Because Brackfield’s complaint “rest[s] on a 

string of actions the occurrence of which is merely speculative,” it thus falls within the realm of 

cases condemned by conjecture and hypothetical. Fieger, 553 F.3d at 967 (citation omitted); see 

Clapper v. Amnesty Int’l USA, 133 S. Ct. 1138, 1148 (2013); Am. Civil Liberties Union, 493 F.3d 

at 673; Stein v. Bank of Am. Corp., 540 F. App’x 10, 10–11 (D.C. Cir. 2013) (per curiam) 

(allegation that “bank . . . may have exposed [plaintiffs’ financial] records to possible 

surveillance by the U.S. government” by sending their records oversees was “conjectural,” 

“highly speculative,” and did not sufficiently state that the bank “provided their financial records 

to the government” in order to assert an injury under the RFPA); Amidax Trading Grp. v. 

S.W.I.F.T. SCRL, 671 F.3d 140, 147 (2d Cir. 2011) (per curiam) (“To establish an injury in 

fact—and thus, a personal stake in [RFPA] litigation—[plaintiff] need only establish that its 

information was obtained by the government.”). 

IV.

Because Brackfield has failed to establish injury in fact, we affirm the district court.

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