MEMORANDUM OPINION AND ORDER
BABCOCK, District Judge.
This case can be adjudicated on the parties' cross-motions for summary judgment. The issue is whether Central Bank of Denver (Central Bank) has a valid defense to its untimely return of four electronic debits. The question is adequately briefed and oral argument will not materially aid its resolution. I hold that Central Bank has no valid defense, grant plaintiff's motion, and deny defendant's motion...
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