Cite as: 516 U. S. 264 (1996)
Opinion of the Court
EFA Act's civil liability section, 12 U. S. C. § 4010, does not explicitly confer adjudicatory authority on the Board, nor "set forth the relevant procedures" for resolution of private disputes. See Coit, 489 U. S., at 574.3 Section 4010, we stress, contrasts conspicuously with statutes in which Congress has given the Board adjudicatory authority. See, e. g., Bank Holding Company Act of 1956, 12 U. S. C. § 1843(c)(8) (authorizing Board to determine whether bank holding company may acquire shares in nonbanking entity); § 1848 (providing for judicial review of such determinations); cf. Commodity Exchange Act, 7 U. S. C. § 18 (specifying detailed procedures governing adjudication of private disputes by the Commodity Futures Trading Commission).
Finally, we note that the interpretation of § 4010 offered by Bank One and the United States is a sensible one. All check-related claims arising out of the same transaction may be brought in a single forum—either in federal court (which would have supplemental jurisdiction over state-law claims, see 28 U. S. C. § 1367), or in state court. The reading of the statute proposed by the Seventh Circuit, in contrast, would yield an incoherent jurisdictional scheme. Bank-depositor claims would be adjudicated in one forum (state or federal court), while interbank claims under the EFA Act would originate in another (before the Federal Reserve Board). And interbank claims under state law would presumably have to be raised in a separate state-court proceeding. Even if the text of § 4010 could plausibly be read to create
3 The Court of Appeals cited 12 U. S. C. § 4009(c)(1) as a potential source of the Board's authority to adjudicate private disputes. First Illinois Bank & Trust v. Midwest Bank & Trust Co., 30 F. 3d 64, 65 (CA7 1994). But as the United States points out, that section merely authorizes the Board to use traditional administrative enforcement tools in securing compliance with the EFA Act. Brief for United States as Amicus Curiae 19. Section 4009(c) "does not create any mechanism for the adjudication of inter-bank civil liability claims." Id., at 19-20.
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