Document ID: ./input/supremecourt_opinions/opinions/23pdf/22-1008_1b82.pdf
Page Number: 6.0

Cite as:  603 U. S. ____ (2024) 

1 

Opinion of the Court 

NOTICE: This opinion is subject to formal revision before publication in the 
United  States  Reports.  Readers  are  requested  to  notify  the  Reporter  of 
Decisions,  Supreme  Court  of  the  United  States,  Washington,  D. C.  20543, 
pio@supremecourt.gov, of any typographical or other formal errors. 

SUPREME COURT OF THE UNITED STATES 

_________________ 

No. 22–1008 
_________________ 

CORNER POST, INC., PETITIONER v. BOARD 
OF GOVERNORS OF THE FEDERAL  
RESERVE SYSTEM 

ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF 
APPEALS FOR THE EIGHTH CIRCUIT 

[July 1, 2024]

 JUSTICE BARRETT delivered the opinion of the Court. 
The  default  statute  of  limitations  for  suits  against  the
United  States  requires  “the  complaint  [to  be]  filed  within 
six years after the right of action first accrues.”  28 U. S. C. 
§2401(a).  We must decide when a claim brought under the
Administrative Procedure Act “accrues” for purposes of this 
provision.  The answer is straightforward.  A claim accrues 
when the plaintiff has the right to assert it in court—and in
the case of the APA, that is when the plaintiff is injured by 
final agency action. 

I 

Corner Post is a truckstop and convenience store located 
in  Watford  City,  North  Dakota.  It  was  incorporated  in
2017, and in 2018, it opened for business.  Like most mer-
chants,  Corner  Post  accepts  debit  cards  as  a  form  of  pay-
ment.  While  convenient  for  customers,  debit  cards  are 
costly  for  merchants:  Every  transaction  requires  them  to
pay an “interchange fee” to the bank that issued the card.
The amount of the fee is set by the payment networks, like
Visa and Mastercard, that process the transaction between