NEW YORK - The Second Circuit U.S. Court of Appeals on Dec. 18 affirmed the dismissal of two complaints alleging that TD Bank N.A. and Capital One Bank N.A. illegally froze their accounts, finding that the plaintiffs do not have a private right of action under New York's Exempt Income Protection Act (EIPA) (Gary Cruz, et al. v. TD Bank N.A., No. 12-1200, Geraldo F. Martinez, et al. v. Capital One Bank N.A., No. 12-1342, 2nd Cir.; 2013 U.S. App. LEXIS 25076).