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The Public Utilities Commission of Nevada approved a $100 million program that will deploy charging stations for electric vehicles (EVs) along highways, in urban areas, at public buildings, in school and transit bus depots, and at Red Rocks and Lake Tahoe. Combined with the state's clean vehicle standards and its aggressive renewable energy requirements, this means cars, trucks, buses, and boats in Nevada will be powered by increasingly clean electricity.

The “Economic Recovery Transportation Electrification Plan” proposed by NV Energy was required by Senate Bill (SB) 448 (Brooks). Nevada’s tourism-centric economy was hit hard by the pandemic, and the $100 million investment in charging infrastructure for light, medium, and heavy-duty EVs over the next three years was designed to provide much needed economic stimulus without straining the state’s budget.

Half of those investments will be made in communities that have borne a disproportionate share of transportation pollution and have suffered most from COVID-19—a disease that is made more deadly by exposure to local air pollution.

SB 448 also requires NV Energy to propose subsequent “Transportation Electrification Plans” to keep the state on track to meet its climate, air quality, and equity goals. A  report from MJ Bradley & Associates commissioned by NRDC, Southwest Energy Efficiency Project, and Western Resource Advocates demonstrates Nevada could realize $21 billion in avoided expenditures on gasoline and maintenance, reduced utility bills, and environmental benefits by 2050 if more drivers make the switch to EVs.

$14.1 Billion in Driver Savings

EVs save families money because driving on electricity is significantly cheaper than driving on gasoline. Furthermore, EVs have fewer moving parts and less required maintenance—no oil changes, no transmissions, no mufflers, no timing belts, etc. This means that tackling the nation’s largest source of carbon pollution, transportation, could save Nevadans over $14 billion by 2050 because EVs are cheaper to fuel and maintain than gas powered cars.

These are savings Nevadans can bank on because electric rates are inherently more stable than gasoline prices. Electricity is made from a diverse supply of domestic and increasingly clean resources. And, unlike the volatile world oil market, electric rates are regulated by state public utility commissions.

$3.6 Billion in Reduced Electric Bills

Nevadans can charge millions of EVs without making significant investments in the electric grid. This is because EVs can be charged when the grid is underutilized and renewable energy is abundant, like overnight, when people are sleeping and wind energy generation in the region often peaks. New utility revenue from EV charging in excess of associated costs could reduce collective electric utility bills in Nevada by $3.6 billion huntington bank christmas eve hours 2050.

Such estimates local fresh food delivery near me potential future benefits are credible because they comport with what’s already been observed in the real world. Between 2012 and 2019, in the two utility service territories with the most EVs in the United States, EV drivers have contributed more than $800 million in net-revenue—money that’s already been returned to all customers in in the form of lower rates and bills.

$2.8 Billion in Societal Benefits from Reduced Pollution

Widespread EV adoption would dramatically reduce emissions of greenhouse gases and also cut emissions of NOx, a local pollutant that threatens the health of all Nevadans, especially children and people with respiratory conditions. The MJ Bradley report finds growing the state’s EV market to meet Nevada’s long-term environmental goals would yield $2.7 billion in societal benefits, a metric that captures this pollution reduction and the associated health improvements.

The Bottom Line: Electric Cars, Trucks, and Buses Are Coming to Nevada

Adding it all up, that’s about $21 billion in potential benefits to Nevada by 2050 by getting more clean cars on the road. Thankfully, with second generation, longer range, affordable EVs now available, the market could expand rapidly as the state has now adopted Clean Car Standards that will ensure more EVs are available for purchase in the state. And, thanks to the $100 million investment approved today, there will be more plugs for those plug-in vehicles.


Valley Bank of Nevada v. Plus System, Inc., 749 F. Supp. 223 (D. Nev. 1989)

749 F. Supp. 223 (1989)

PLUS SYSTEM, INC. and VISA U.S.A. Inc., Defendants.

No. CV-S-89-171-PMP (RJJ).

United States District Court, D. Nevada.

September 15, 1989.

*224 Joseph Roger Williams, Jr., Williams & Connolly, Washington, D.C., Gary R. Goodheart, Jones, Jones, Close & Brown, Las Vegas, Nev., for plaintiff.

Stephen V. Bomse, Heller, Ehrman, White & McAuliffe, San Francisco, Security bank and trust company, Paul R. Hejmanowski, Lionel, Sawyer & Collins, Las Vegas, Nev., for defendants.


PRO, District Judge.

This matter is before the Court to consider cross-motions for summary judgment as to Count III of Plaintiff's Amended Complaint filed August 1, 1989.


Plaintiff Valley Bank of Nevada ("Valley Bank") is a Nevada banking corporation which provides numerous financial services, including the use of automated teller machines ("ATMs") located at various Valley Bank branch offices and other locations throughout the State of Nevada.

Defendant Plus System, Inc. ("Plus System") is a membership corporation organized under the laws of Delaware, with its principal place of business in Denver, Colorado. The members of Plus System consist of approximately 3,000 financial institutions, as well as one "special member," Defendant VISA USA, Inc. ("VISA"). Plus System is in the business of managing and operating a shared ATM network whereby the financial institutions that belong to Plus System agree to allow consumers to use each other's ATMs to gain access to their accounts. By processing ATM transactions between the member banks, Plus System gives banking customers access to their bank accounts at ATMs located in 48 states, a service which doubtless could not be provided by any of Plus System's member banks individually.

Shared ATM networks, such as that operated by Plus System, are increasingly widespread intrastate, regionally and nationally. They combine the resources of several proprietary ATM networks under a single trademark and offer consumers the convenience of access to their depository accounts or credit lines while traveling away from their home state, whose boundaries typically circumscribe the geographical reach of a proprietary ATM network. Member banks of the Plus System ATM network are permitted to issue ATM cards bearing the Plus System trademark to their customers, to display the Plus System trademark on their ATMs, and to connect the member bank's computer system and ATMs to the Plus System computer network in Denver, Colorado. In return, the member bank agrees to operate in accordance with the rules and regulations of the Plus System network which create a uniform set of procedures for transmitting demands for ATM withdrawals and deposits between banks and for tallying and settling up the daily flow of funds between the member banks.

Among the Plus System operating regulations is a rule which closest fidelity office near me that no transaction fee or surcharge is to be added to the amount of the ATM transaction by a member bank when one of its ATMs is being used by a customer whose account is maintained at a "foreign" bank.[1] Plus System maintains that the purpose of this no surcharge rule is to ensure that member banks, as acquirers, do not impose additional charges at foreign ATMs, thereby preserving each card-issuing bank's exclusive control over the relationship with its own customers. By limiting the charges associated with using Plus System's ATMs to the fee, if any, charged by the issuing bank, Plus System contends that bank customers will not be confused, upset or surprised by unanticipated or varying costs resulting *225 from transactions conducted at another bank on the Plus System network.

Since October 1988, Valley Bank has levied a fee for the use of its off-premises casino and airport ATMs for "foreign transactions."[2] However, because of Plus System's rule prohibiting such fees, Valley Bank has levied that charge on cardholders from all of the shared ATM networks to which it belongs, both in-State and out-of-State, except the Plus System network. To implement the transaction fee, Valley Bank expanded the sequence of screens that prompts the banking customer through the ATM transaction to disclose the existence, source and amount of the transaction fee, and to provide an opportunity for a no-cost exit from the transaction by the customer.

In September 1988, Valley Bank proposed to the Plus System Board of Directors that the Plus System no-surcharge rule be modified to permit Plus System member banks to impose at least a one dollar surcharge on cash withdrawals completed at Valley Bank's off-branch premises ATMs made by foreign bank customers.[3]

At its Board meeting on January 22, 1989, the Plus System Board rejected Valley Bank's proposal to repeal the no-surcharge rule in favor of further study to assess the long-term implications of the proposal on the Plus System network and its member banks.

On March 3, 1989, Valley Bank commenced this action against Plus System and VISA alleging that Plus System's no-surcharge rule constitutes illegal price fixing and an unreasonable restraint on trade in violation of Section 1 of the Sherman Act, 15 U.S.C. § 1.

Valley Bank also strongly supported Senate Bill 404 in the Nevada Legislature which amended Chapter 660 of the Nevada Revised Statutes to authorize Nevada banking institutions that deploy ATMs to charge for the use of their terminals by consumers who have their accounts at other banks. SB404 also details consumer disclosure requirements that must be met if such fees are to be charged and further provides that ATM sharing agreements, such as that operated by Plus System, may not prohibit, limit or restrict a participating financial institution's right to levy any charges authorized by law or the statute's disclosure requirements.

On June 16, 1989, SB404 was enacted by the Nevada Legislature and signed into law. Following the passage of SB404, Valley Bank notified Plus System of its intention to begin charging Plus System ATM cardholders the same fees as ATM cardholders from other ATM networks were paying. Plus System objected on the ground that SB404 violated the Commerce Clause of the United States Constitution. In response Valley Bank amended its Complaint on July 31, 1989, to include, as Count III, a claim for declaratory judgment of the effect of Chapter 660 of the Nevada Revised Statutes, as amended by SB404, on the Plus System agreement.

Specifically, Valley Bank seeks a declaration that:

(a) Valley's imposition of a surcharge on PLUS transactions in conformance with Chapter 660 of the Nevada Revised Statutes, as amended by SB 404, would be and is in full accordance with the PLUS Agreement, and
(b) Chapter 660 of the Nevada Revised Statutes, as recently amended by SB 404, renders contrary to state law and void in Nevada any provision of the PLUS agreement that purports to prohibit, limit or restrict its imposition of surcharges. (See Paragraph 57 of Plaintiff's Amended Complaint.)

On August 1 and August 10, 1989, Plus System and Valley Bank filed Cross-Motions for Summary Judgment as to Count III of Valley Bank's Amended Complaint (# 63 and #68, respectively).


Plus System contends that the amendment to NRS Chapter 660 contained in SB404 which precludes Plus System from enforcing its "no-surcharge" rule, violates the Commerce Clause of the United States Constitution, Article I, Section 8, Clause 3, by directly regulating the charges payable by and among member banks throughout shared ATM networks and by discriminating against bank of nevada com commerce.

Plus System argues that the predominant purpose of shared ATM networks such as that operated by Plus System is to serve the traveling public and that each shared ATM network transaction involves two separate banks: the ATM card-issuing bank and the acquiring "or ATM-owning" bank, which necessitates an agreement between bank member participants as to how they will allocate the risks bank of nevada com benefits of the system. Plus System maintains that "it simply is untenable to attempt to make a particular subgroup of members (here Nevada banks) subject to different rules by virtue of one state's legislative fiat."

Plus System contends that Bank of nevada com purports to regulate an important aspect of the economic interrelationship between Plus System members throughout the country by establishing the special pricing rule for transactions in Nevada. According to Plus System, this is precisely the type of direct regulation of interstate commerce prohibited by the Commerce Clause.

Plus System further argues that the Nevada law alters the primary relationship between an ATM cardholder and his or her ATM card-issuing bank by permitting independent pricing for ATM use at a foreign bank. Additionally, Plus System contends that the imposition of surcharges permitted by SB404 will alter the value of ATM services for the consumer by random and unpredictable ATM transaction pricing, which will likely result in consumer confusion.

Plus System also contends that SB404 raises the threat of inconsistent regulation in other states which the Commerce Clause is designed to protect against. Specifically, Plus System maintains that in response to the Nevada law, other states may pass legislation expressly forbidding surcharges or alternatively may pass law precluding their banks from issuing ATM cards for use in any network which permits the imposition of surcharges. According to Plus System, ". the single state must not be permitted to interfere with Plus' national pricing scheme."

Plus System also argues that the Nevada law discriminates against interstate commerce in that the ATM transaction surcharge is applied by Valley only on ATM cardholders from foreign banks. Thus, argues Plus System, ". it is only the overwhelming proportion of non-Nevada residents who frequent the state's casinos who, in fact, will be surcharged." Further, Plus System argues that the Nevada law seeks to garner for its local banking industry a larger share of the economic benefits of participating in interstate shared ATM networks, thereby discriminating against out-of-state interests.

Finally, Plus System contends that SB404 fosters improper economic "protectionism" designed to benefit Nevada economic interests by burdening out-of-state competitors.

Valley Bank responds that SB404 is not a protectionist measure which on its face discriminates against out-of-state interest in favor of in-state interests, or that has the effect of favoring Nevada banks over out-of-state competition in violation of the Commerce Clause. Indeed, argues Valley Bank, SB404 draws no distinction between intrastate and interstate ATM-sharing agreements and is therefore, facially neutral both with respect to its effect on members of the shared ATM networks and consumers.

Valley Bank further argues that SB404 serves a variety of legitimate state objectives including the following:

(a) assuring that the benefits of free competition are realized in the provision of ATM service in Nevada;
(b) making certain that consumers are adequately informed about fees for ATM use;
*227 (c) increasing the deployment and convenience of ATMs in Nevada; and
(d) enhancing the provision of ATM services to serve case 580 super m injection pump tourist trade that is so important to Nevada's economy.

Valley Bank contends that the promotion of the foregoing state objectives far outweighs any burden placed on interstate commerce by SB404.

Valley Bank observes that banks, including nationally chartered banks, are routinely left to the dictates of state law with respect to branching and ATM deployment. Valley Bank cites numerous instances in which states have regulated where branches and ATMs may be located, what types of signs they may display, what security requirements must be satisfied, and how account information is to be handled. Valley Bank further notes that a number of states have expressly set forth the terms and conditions under which ATMs may be shared.[4] Therefore, argues Valley Bank, there is nothing novel about Nevada's enactment of SB404, and the incidental burden on interstate commerce which results is not "clearly excessive."

Finally, Valley Bank challenges as speculative Plus System's claim that SB404 poses a danger that interstate commerce will be adversely affected by inconsistent state regulation noting that there are no current state regulations which are inconsistent with SB404.

On September 5, 1989, the Brief of the Attorney General for the State of Nevada as Amicus Curiae in Opposition to Plus System's Motion for Summary Judgment and In Support of the Constitutionality of Nevada Senate Bill 404 (# 78) was filed. In addition to supporting the arguments advanced by Valley Bank in its Cross-Motion for Summary Judgment and Opposition to Plus System's Motion for Summary Judgment, the Attorney General of Nevada takes the position that if the Court were to strike down SB404 as violating the Commerce Clause, it would have adverse implications for a myriad of state laws and regulations nationwide, in such areas as insurance, transportation, environmental regulation, commercial and corporate law, as well as banking.


Pursuant to Fed.R.Civ.P. 56, summary judgment is proper "if the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that the moving party is entitled to a judgment as a matter of law."

The party moving for summary judgment has the initial burden of showing the absence of a genuine issue of material fact. See Adickes v. S.H. Kress & Co., 398 U.S. 144, 90 S. Ct. 1598, 26 L. Ed. 2d 142 (1970); Zoslaw v. MCA Distributing Corp., 693 F.2d 870, 883 (9th Cir. 1982). Once the movant's burden is met by presenting evidence which, if uncontroverted, would entitle the movant to a directed verdict at trial, the burden then shifts to the respondent to set forth specific facts demonstrating that there is a genuine issue for trial. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 250, 106 S. Ct. 2505, 2511, 91 L. Ed. 2d 202 (1986). If the factual context makes the respondent's claim implausible, that party must come forward with more persuasive evidence than would otherwise be necessary to show that there is a genuine issue for trial. Celotex Corp. v. Catrett, 477 U.S. 317, 322-23, 106 S. Ct. 2548, 2552-2553, 91 L. Ed. 2d 265 (1986); Matsushita Elec. Indus. Co. v. Zenith Radio Corp., 475 U.S. 574, 586-87, 106 S. Ct. 1348, 1355-1356, 89 L. Ed. 2d 538 (1986); Cal. Arch. Bldg. Prod. v. Franciscan Ceramics, 818 F.2d 1466, 1468 (9th Cir.1987), cert. den., 484 U.S. 1006, 108 S. Ct. 698, 699, 98 L. Ed. 2d 650 (1988).

A material issue of fact is one that affects the tarrant county court records family of the litigation and requires a trial to resolve the differing versions of the truth. See Admiralty Fund v.*228Hugh Johnson & Co., 677 F.2d 1301, 1305-06 (9th Cir.1982); Admiralty Fund v. Jones, 677 F.2d 1289, 1293 (9th Cir.1982).

All facts and inferences drawn must be viewed in the light most favorable to the responding party when determining whether a genuine issue of material fact exists for summary judgment purposes. Poller v. CBS, Inc., 368 U.S. 464, 82 S. Ct. 486, 7 L. Ed. 2d 458 (1962). After drawing inferences favorable to the respondent, summary judgment will be granted only if all reasonable inferences defeat the respondent's claims. Admiralty Fund v. Tabor, 677 F.2d 1297, 1298 (9th Cir.1982).

This Court is cognizant that the recent trilogy of Supreme Court cases establishes that "[s]ummary judgment procedure is properly regarded not as a disfavored procedural shortcut, but rather as an integral part of the Federal Rules as a whole, which are designed `to secure the just, speedy, and inexpensive determination of every action.'" Celotex Corp., 477 U.S. at 327, 106 S. Ct. at 2555 (quoting Fed.R.Civ.P. 1); see also Avia Group Intern., Inc. v. L.A. Gear California, 853 F.2d 1557, 1560 (Fed.Cir. 1988).


The principals which guide the assessment of whether SB404 violates the Commerce Clause were made clear in Brown-Forman Distillers v. N.Y. Liquor Authority, 476 U.S. 573, 578-79, 106 S. Ct. 2080, 2083-2084, 90 L. Ed. 2d 552 (1986), where the Supreme Court specified that it had adopted a two-tier approach in analyzing state economic regulation under the Commerce Clause:

When a state statute directly regulates or discriminates against interstate commerce, or when its effect is to favor in-state economic interests over out-of-state interests, we have generally struck down the statute without further inquiry. See, e.g., Philadelphia v. New Jersey, 437 U.S. 617 [98 S. Ct. 2531, 57 L. Ed. 2d 475] (1978); Shafer v. Farmers Grain Co., 268 U.S. 189 [45 S. Ct. 481, 69 L. Ed. 909] (1925); Edgar v. MITE Corp., 457 U.S. 624, 640-643 [102 S. Ct. stark county real estate search, 2639-2641, 73 L. Ed. 2d 269] (1982) (plurality opinion). When, however, a statute has only california bank and trust mobile deposit faq effects on interstate commerce and regulates evenhandedly, we have examined whether the State's interest is legitimate and whether the burden on interstate commerce clearly exceeds the local benefits. Pike v. Bruce Church, Inc., 397 U.S. 137, 142 [90 S. Ct. 844, 847, 25 L. Ed. 2d 174] (1970). We have also recognized that there is no clear line separating the category of state regulation that is virtually per se invalid under the Commerce Clause, and the category subject to the Pike v. Bruce Church balancing approach. In either situation the critical consideration is the overall effect of the statute on both local and interstate activity. See Raymond Motor Transportation, Inc. v. Rice, 434 U.S. 429, 440-441 [98 S. Ct. 787, 793-794, 54 L. Ed. 2d 664] (1978).

More recently, in Healy v. Beer Institute, Inc., 491 U.S. 324, 109 S. Ct. 2491, 2499, 105 L. Ed. 2d 275 (1989), the Supreme Court stated that its cases concerning the extraterritorial effects of state economic regulation stand at a minimum for the following propositions:

First, the "Commerce Clause . precludes the application of a state statute to commerce that takes place wholly outside of the State's borders, whether or not the commerce has effects within the State," Edgar v. MITE Corp., 457 U.S. 624, 642-643, 102 S. Ct. 2629, 2640-2641, 73 L. Ed. 2d 269 (1982) (plurality opinion); see also Brown-Forman, 476 U.S., at 581-583, 106 S.Ct., at 2085-2087; and, specifically, a State may not adopt legislation that has the practical effect of establishing "a scale of prices for use in other states." [Baldwin v. GAF] Seelig [, Inc.], 294 U.S., [511], 528, 55 S.Ct., [497], 502 [79 L. Ed. 1032 (1935)]. Second, a statute that directly controls commerce occurring wholly outside the boundaries of a State exceeds the inherent limits of the enacting State's authority and is invalid regardless of whether the statute's extraterritorial reach was intended by the legislature. The critical inquiry is whether the practical effect of *229 the regulation is to control conduct beyond the boundaries of the State. Brown-Forman, 476 U.S., at 579, 106 S.Ct., at 2084. Third, the practical effect of the statute must be evaluated not only by considering the consequences of the statute itself, but also by considering how the challenged statute may interact with the legitimate regulatory regimes of other States and what effect would arise if not one, but many or every State adopted similar legislation. Generally speaking, the Commerce Clause protects against inconsistent legislation arising from the projection of one state regulatory regime into the jurisdiction of another State. Cf. CTS Corp. v. Dynamics Corp. of America, 481 U.S. 69, 88-89, 107 S. Ct. 1637, 1649-1650, 95 L. Ed. 2d 67 (1987). And, specifically, the Commerce Clause dictates that no State may force an out-of-state merchant to seek regulatory approval in one State before undertaking a transaction in another. Brown-Forman, 476 U.S., at 582, 106 S.Ct., at 2086 (footnotes omitted).

Applying the principals stated above, the Court finds that SB404's amendment to NRS Chapter 660 does not directly regulate or discriminate against interstate commerce. Brown-Forman, 476 U.S., at 578-79, 106 S.Ct., at 2083-2084. Neither does SB404 have the practical effect of controlling conduct beyond the boundaries of the State of Nevada, nor is it inconsistent with other state regulatory schemes pertaining to ATM shared networks. Healy, 109 S.Ct., at 2499.

SB404 applies evenhandedly to intrastate and interstate ATM shared networks and so too does the surcharge imposed by Valley Bank on "foreign" ATM transactions, whether they are intrastate or interstate. Northwest Central Pipeline Corporation v. State Corporation Commission of Kansas, 489 U.S. 493, 109 S. Ct. 1262, 1280-82, 103 L. Ed. 2d 509 (1989). The fact that Valley Bank imposes the surcharge only on foreign ATM transactions conducted at off-bank premises ATM locations, does not alter the impact as the surcharge at such ATM locations applies equally to foreign ATM transactions involving Nevada residents and non-Nevada residents. Additionally, although legislative proceedings cited by Plus Bb king lucille worth suggest certain Nevada Legislators were preoccupied with whether or to what extent the ATM surcharge would apply to Nevada residents, the record before the Court simply does not support Plus System's claims that "it is only the overwhelming proportion of non-Nevada residents who frequent the State's casinos who, in fact, will be surcharged."

The Court finds other arguments raised by Plus System regarding the impact of SB404 on interstate commerce to be without merit. Plus System's claim of potential consumer confusion occasioned by the Valley Bank surcharge must be rejected as unfounded given the detailed disclosure to consumers provided for by SB404. Similarly, Plus System's contention that SB404 raises the threat of inconsistent regulation in other states is rejected by the panoply of state regulations cited by Valley Bank which are consistent with SB404, as well as the absence of state regulations which are not.

Finally, the Court finds that SB404 regulates evenhandedly to effectuate the legitimate state interests cited by Valley Bank and by the Attorney General for the State of Nevada in the Amicus Brief. Moreover, SB404's effects on interstate commerce are incidental at best and are clearly not excessive in relation to the state's interests advanced. Pike v. Bruce Church, 397 U.S. at 142, 90 S. Ct. at 847.

IT IS THEREFORE ORDERED that Defendant Plus System's Motion for Summary Judgment as to Count III of Plaintiff Valley Bank's Amended Complaint (# 65) is denied.

IT IS FURTHER ORDERED that Plaintiff Valley Bank's Cross-Motion for Summary Judgment as to Count III of its Amended Complaint (# 68) is granted.

IT IS FURTHER ORDERED that the Clerk of Court shall forthwith enter Judgment in favor of Plaintiff Valley Bank of Nevada and against Defendant Plus System, *230 Inc., as to Count III of the Plaintiff's Amended Complaint (# 80).


[1] In banking parlance, a foreign bank is any bank other than the bank at which the transaction is occurring whether within the same state or not.

[2] Transactions initiated by consumers whose ATM cards were issued by other banks.

[3] The record is not clear as to precisely where each of the Valley Bank non-bank branch ATMs are located, but it appears that the majority are located at Nevada gaming casinos, airports and shopping malls and at least one at Hoover Dam.

[4] See pages 20-22 of Plaintiff Valley Bank's Memorandum of Points and Authorities ode to the west wind imagery Opposition to Plus System, Inc.'s Motion for Summary Judgment, filed August 10, 1989 (# 69), and footnotes 16-26.


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Total Assets for Commercial Banks in Nevada (DISCONTINUED) (NVTAST)

Source:Federal Financial Institutions Examination Council (US)  

Source:Federal Reserve Bank of St. Louis  

Release:Reports of Condition and Income for All Insured U.S. Commercial Banks  

Units:  Thousands of Dollars, Not Seasonally Adjusted

Frequency:  Quarterly


This series is discontinued and will no longer be updated. Additional consolidated data is available on the FDIC's Bank Data and Statistics.

This series represents Total Assets call item RCFD2170.

Geographic location is determined by Abbreviated State Name call item RSSD9200 = 'NV' representing two character state abbreviation of Nevada.

Users are advised to use the Federal Reserve Board of Governors' data dictionary to retrieve detailed information for specific call items.

This series is calculated by the Federal Reserve Bank of St. Louis using raw data that are collected by the FFIEC. Raw data can be found at

Suggested Citation:

Federal Financial Institutions Examination Council (US) and Federal Reserve Bank of St. Louis, Total Assets for Commercial Banks in Nevada (DISCONTINUED) [NVTAST], retrieved from FRED, Federal Reserve Bank of St. Louis;, December 3, 2021.


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Lawsuit filed after NHP confiscates man’s life savings during traffic stop

“You’re taking food out of my kids’ mouths.”

That’s what Stephen Lara, a Marine veteran, told Nevada Highway Patrol officers after they confiscated his life savings–$87,000 in cash–from his vehicle during a traffic stop outside of Reno in February.

The officers said they believed Lara’s cash was from dealing drugs. Lara had not committed a crime, a point NHP officers acknowledged after calling the U.S. Drug Enforcement Agency about the stop. Lara provided officers with bank receipts for the cash.

He was pulled over allegedly for following a vehicle too closely and “driving under the speed limit.”

The officer who pulled him over, though, complimented his driving. “You drive great,” the officer ode to the west wind imagery, who was traveling from Texas to Bank of nevada com, California, allowed officers to search his vehicle. He said he had nothing to hide. NHP, in concert with the DEA, then took his money.

“I brought my life savings of $86,900 in cash, which I had been saving in the hopes of purchasing a home where my daughters could live,” he said in a court filing.

Lara had to get $1,000 wired to him to continue his road trip.

“I [now] have no way of providing for my children,” he told the officers on the side of Interstate-80 east of Sparks.

A public interest law firm, Institute for Justice, filed two lawsuits on Lara’s behalf–one to get back his money and another for what they said were violations of Nevada laws.

The Institute released on Monday body camera footage of the stop. The firm called the video a “rare glimpse into an abuse of power that thousands of innocent Americans experience each year.”

Lara said he carried cash because he does not trust banks. Court documents show he thought the seizure was a misunderstanding, “but the [DEA] agent treated him like a criminal.”

The Institute said that, by law, the DEA should have returned Lara’s money within 90 days. That didn’t happen, Lara’s attorneys said.

After filing both lawsuits, Lara received his money back plus interest but his case in Nevada is still pending.

Nevada’s asset forfeitures again in public spotlight

Body-cam screen grab from an NHP body cam.

U.S. Attorney Nicholas Trutanich in January said $8.6 million was seized in Nevada last year.

“Throughout 2020, we continued to expand our coordination with law enforcement agencies and other collection partners, and we’re honored to be able to contribute these funds for (among other things) victim compensation and victim assistance,” he said.

Seizure of cash and assets primarily stems from criminal drug activities. The Washoe County Sheriff’s Office reported it seized $3.9 million in 2020 from alleged drug operations.

But innocent people, or people proven innocent after being charged with crimes, and even serving prison sentences, report extreme difficulty in getting back their property.

The Nevada Supreme Court dismissed a case against Robert Coache, a former state water official, for lack of evidence in 2019. Coache faced more than 40 charges levied by the Clark County District Attorney. He said it took him more than a year to get back his property and assets from the DA.

He is suing the DA’s office and Las Vegas Metropolitan Police Department for civil rights violations. He is seeking $5 million in damages after serving 16 months in prison.

“I’m still paying the price for this,” he told This is Reno. His banks and credit card companies have canceled his accounts based on his case even though he was cleared of the charges against him.

The Nevada Legislature this year considered tightening restrictions on civil asset forfeiture. Police agencies and prosecutors, including the Washoe County District Attorney’s office, opposed an Assembly bill that was pushed by those concerned with civil liberty issues surrounding asset forfeiture.

“In Nevada, civil asset forfeiture disproportionately hurts low-income and minority residents,” Marcos Lopez with Americans for Prosperity testified. “A study by Nevada Policy Research Institute [NPRI] showed most seizure-forfeitures in Clark County occurred in its poorest and most racially diverse neighborhoods, impacting those with the least means to contest forfeiture proceedings.”

Humboldt County Sheriff’s Department Sgt. Lee Dove poses with K-9 Zyla and $50,000 cash that was seized after a traffic stop for speeding in 2013.

Lopez said law enforcement agencies in Nevada have seized more than $5 million in private property.

“The majority of forfeitures were less than $1,000, leaving little to no recourse for the accused due to the cost of hiring an attorney and subsequent legal action outweighing the value of the confiscated property,” he added.

NPRI’s Daniel Honchariw agreed.

“Contesting forfeitures is often cost-prohibitive because … accused property owners generally lack the financial and legal resources to effectively contest the seizure and auctioning-off of their property and … even when they do, the cost of hiring an attorney often outweighs the value of the property seized,” he said.

The Assembly bill did not pass.

The Institute for Justice gives Nevada a D-minus ranking for its civil asset forfeiture protections.

“Nevada adopted positive reforms to its civil forfeiture laws in 2015, but its law grade is pulled down to a D- by weak protections for innocent owners and a strong financial incentive to seize,” the group notes on its website. “The Silver State’s grade is further tarnished by a large incentive to seize: Law enforcement agencies retain up to 100 percent of forfeiture proceeds.

“However, if a given forfeiture account exceeds $100,000 at the end 1st convenience bank bryan tx the fiscal year, 70 percent of the excess funds must be given to the school district in the judicial district where the property was seized.”

Christopher Peterson, attorney with the ACLU of Nevada, said Nevada’s civil forfeiture laws bank on small dollar amounts that cost more to fight for with an attorney than the amount of property seized is worth.

“The playing field is pretty slanted, especially against a poor defendant,” he said. “The core problem here is how we have incentivized our police departments and our state actors. Even if it gets fixed later, the harm is done. You can’t get back the period of time where that person doesn’t have their money and doesn’t have their assets. That damage is done.”

There were two similar cases to Lara’s out of Humboldt County, both resulting in settlements primarily to cover attorney fees. One was lambasted by John Oliver in the clip below.

The other case in 2014 happened after NHP seized $50,000 from Tan Nguyen. Nguyen called NHP’s seizure of his money, cash he won gambling, highway robbery.

Bob Conrad / ThisisReno

Bob Conrad is publisher, editor, and co-founder of This Is Bank of nevada com. He has served in communications positions for various state agencies and earned a doctorate from the University of Nevada, Reno in 2011, where he completed a dissertation on social media, journalism and crisis communications. In addition to managing This Is Reno, he holds a part-time appointment for the Mineral County University of Nevada Extension office.

bank of nevada com Tartamella Joins Bank of Nevada’s Business Banking Team

Travis Tartamella Bank of Nevada-1de43df6LAS VEGAS – Bank of Nevada is proud to welcome Travis Tartamella as vice president, business banking.

Based at the Hualapai location, Tartamella will focus on new and existing clients, offering a variety of banking products, financial tools, and customized solutions that help business owners attain their personal and business financial goals.

Tartamella is a National Association for Industrial and Office Parks (NAIOP) member and graduated from NAIOP’s Developing Leaders Institute (DLI) Program in 2020. He is also a member of Financial Executives International (FEI) and is actively involved in The Society of Industrial and Office Realtors (SIOR).

Before his position at Bank of Nevada, Tartamella was a business development officer. He attended California State University and Pepperdine University. While in college, Tartamella played baseball and then advanced to the professional league, where he was a catcher and a coach for the St Louis Cardinals.

About Bank of Nevada

Bank of Nevada, a division of Western Alliance Bank, Member FDIC, helps business clients realize their ambitions. Founded in 1994, Bank of Nevada offers a full spectrum of loan, deposit and treasury management capabilities, plus superior service. With 10 offices in Las Vegas, Henderson, North Las Vegas and Mesquite, along with Western Alliance Bank’s powerful array of specialized financial services, the banking division is a valued resource for Southern Nevada’s business, real estate, professional, manufacturing, municipal and nonprofit communities. Western Alliance Bank is the primary subsidiary of Phoenix-based Western Alliance Bancorporation. One of the country’s top-performing banking companies, Western Alliance is again #1 best-performing of the 50 largest public U.S. banks in the new S&P Global Market Intelligence listing for 2020 and ranks high on the Forbes “Best Banks in Is best buy open today july 4th list year after year. For more information, visit

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