TJOFLAT, Circuit Judge:
This is a case under the Electronic Fund Transfer Act ("EFTA"), 15 U.S.C. § 1693 et seq. A bank customer sued her bank to recover for unauthorized withdrawals from her checking account, made using her check card and personal identification number ("PIN"). EFTA requires a bank to investigate such disputed transactions, to notify the customer if it has verified the transactions as authorized, and to recredit the account if the withdrawals...
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