After a district court ruled that a bank must tackle a case surrounding overdraft charges as a class action lawsuit, rather than being able to enforce an arbitration provision in its customer contract, the bank appealed.
The 11th Circuit Court of Appeals reviewed the case to determine whether the district court’s ruling – denying the motion to compel arbitration on grounds of unconscionability – was valid.
To do so, the appellate court had to review state law surrounding the case in Washington, where the customer did banking, and Ohio the state agreed to in the parties’ choice-of-law provision. Read on for the ruling.
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