
406 F.Supp.2d 688 (2005)
BIZCAPITAL BUSINESS & INDUSTRIAL DEVELOPMENT CORP.
v.
OFFICE OF THE COMPTROLLER OF THE CURRENCY OF THE UNITED STATES.
No. Civ.A. 05-1967.
United States District Court, E.D. Louisiana.
November 23, 2005.
*689 Richard C. Stanley, Jennifer L. Thornton, Stanley, Flanagan & Reuter, LLC, Baton Rouge, LA, Thomas M. Flanagan, Vicki A. Elmer, Stanley, Flanagan & Reuter, LLC, Lafayette, LA, for Bizcapital Business & Industrial Development Corp.
Ellen M. Warwick, Office of the Comptroller of the Currency, Herbert E. Forrest, U.S. Department of Justice, Washington, DC, for Office of the Comptroller of the Currency of the United States.

ORDER AND REASONS
BARBIER, District Judge.
Before the Court are defendant's Motion To Dismiss Or, In The Alternative, For Summary Judgment (Rec.Doc. 9) and plaintiff's Cross-Motion For Summary Judgment (Rec.Doc. 13). The Court also has before it Statements of Interest of the United States (Rec. Docs. 10 and 17). Having considered the motions and legal memoranda, the record, the oral arguments of the parties, and the law, the *690 Court finds that defendant's Motion To Dismiss Or, In The Alternative, For Summary Judgment (Rec.Doc. 9) should be DENIED and plaintiff's Cross-Motion For Summary Judgment (Rec.Doc. 13) should be GRANTED.

BACKGROUND
The facts in this case are not in dispute. By letter dated March 29, 2005, plaintiff submitted a request to the OCC seeking the release of non-public OCC information pursuant to the OCC's regulations governing public access to such information. 12 C.F.R. §§ 4.31-4.40. See Pl.'s MSJ Ex. A. Plaintiff requested access to any Suspicious Activity Report (SAR) filed by Union Planters National Bank between late 1999 and early 2000 concerning a customer, Telformation, Inc. d/b/a/ Media Direct ("Media Direct"), and its principal Raymond Reggie. Id.
In its administrative request, plaintiff explained that it had brought a civil action for damages in state court and the SAR, if it existed, was critically important evidence that would prevent a miscarriage of justice in its lawsuit. Id. Plaintiff alleged that the bank misled plaintiff and another bank, Hibernia National Bank, into funding substantial loans for Media Direct. Id. The proceeds of the loans were allegedly used to pay a debt that Media Direct owed to the bank, which ultimately resulted in a loss to both plaintiff and Hibernia. Id. According to plaintiff, at the time the bank allegedly misled plaintiff and Hibernia into funding loans for Media Direct, the bank knew or suspected that Media Direct was engaged in a check-kiting scheme in its account with the bank. Id.
Plaintiff's letter fulfilled the technical requirements and offered the showings required by the OCC's regulations regarding requests for non-public OCC information, 12 C.F.R. § 4.33. Id. On April 22, 2005, the OCC denied plaintiff's administrative request in a letter ("OCC denial letter") that referenced OCC regulations, the Bank Secrecy Act, case law, and OCC Interpretive Letter No. 98. See Pl.'s MSJ Ex. B.
On May 27, 2005, plaintiff filed this action seeking review of the OCC's decision under the Administrative Procedure Act, 5 U.S.C. § 704. The only issue before the court is the legal issue of whether the OCC's denial of plaintiff's request for a SAR was arbitrary and capricious, an abuse of discretion, or otherwise not in accordance with the law.

LEGAL STANDARDS
A. Summary Judgment
Summary judgment is appropriate where "the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law." Fed.R.Civ.P. 56(c). Where both parties agree as to the material facts, disposition by summary judgment is clearly warranted. See GeoSouthern Energy Corp. v. Chesapeake Operating, Inc., 274 F.3d 1017, 1020 (5th Cir.2001) (quoting Nunez v. Superior Oil Co., 572 F.2d 1119, 1124 (5th Cir.1978)).
B. Administrative Procedure Act
Judicial review of an agency decision is authorized under the Federal Administrative Procedure Act ("APA"). 5 U.S.C. § 706. Under section 706, the court decides questions of law with respect to agency action. Id. Agency actions, findings and conclusions shall be set aside if they are arbitrary, capricious, an abuse of discretion, or otherwise not in accordance with law or without observance of procedure *691 required by law. Id. The standard of review under the APA is narrow.
A rule is `arbitrary and capricious' only where the agency has considered impermissible factors, failed to consider important aspects of the problem, offered an explanation for its decision that is contrary to the record evidence, or is so irrational that it could not be attributed to a difference in opinion or the result of agency expertise. Motor Vehicle Mfrs. Ass'n v. State Farm Mut. Auto. Ins. Co., 463 U.S. 29, 43, 103 S.Ct. 2856, 77 L.Ed.2d 443 (1983). Thus, agency decisions will be upheld so long as the agency "examine[s] the relevant data and articulate[s] a satisfactory explanation for its action including a `rational connection between the facts found and the choice made.'" Burlington Truck Lines v. United States, 371 U.S. 156, 168, 83 S.Ct. 239, 9 L.Ed.2d 207 (1962). Review under the APA is limited to the administrative record. 5 U.S.C. § 706(2).
BCCA Appeal Group v. U.S.E.P.A., 355 F.3d 817, 824 (5th Cir.2003).

DISCUSSION
A. The Bank Secrecy Act and the OCC's Implementing Regulations
Under the Bank Secrecy Act, the Secretary of the Treasury has the power to require banks and other financial institutions to report suspicious transactions to the appropriate authorities. 31 U.S.C. § 5318(g)(1). Regarding the disclosure of SARs the Act provides as follows:
(2)(A)(i) the financial institution . . . may not notify any person involved in the transaction that the transaction has been reported; and
(ii) no officer or employee of the Federal Government or of any State, local, tribal, or territorial government within the United States, who has any knowledge that such report was made may disclose to any person involved in the transaction that the transaction has been reported, other than as necessary to fulfill the official duties of such officer or employee.
31 U.S.C. § 5318(g)(2)(A).
The OCC, as the Bureau of the Treasury Department with primary supervisory responsibility over national banks, see 12 U.S.C. §§ 1, et seq., has promulgated the following regulation implementing the statute's non-disclosure provisions:
(k) Confidentiality of SARs. SARs are confidential. Any national bank or person subpoenaed or otherwise requested to disclose a SAR or the information contained in a SAR shall decline to produce the SAR or to provide any information that would disclose that a SAR has been prepared or filed, citing this section, applicable law (e.g., 31 U.S.C. 5318(g)), or both, and shall notify the OCC.
12 C.F.R. § 21.11(k).[1]
In order to balance the interest in confidentiality embodied by the privilege and private litigants' legitimate needs for nonpublic documents, the OCC has promulgated regulations governing the means by which private litigants may obtain OCC materials. See 12 C.F.R. § 4.31 et seq. In United States ex rel. Touhy v. Ragen, 340 U.S. 462, 468, 71 S.Ct. 416, 95 L.Ed. 417 (1951), the Supreme Court held that agency regulations restricting disclosure of information in legal proceedings fall within agency authority under the so-called *692 "housekeeping statute," 5 U.S.C. § 301. Under the OCC's Touhy provisions, a SAR is specifically designated as non-public OCC information. 12 C.F.R. § 4.32(b)(vii). The OCC's regulations require that a party seeking non-public documents submit a request to the Director of the OCC's Litigation Division in Washington, D.C. 12 C.F.R. § 4.34(a). The request must include information sufficient to inform the OCC of the nature of the litigation. 12 C.F.R. § 4.33(a)(3)(ii). The requestor must make a showing that "the information is relevant to the purpose for which it is sought," that "other evidence reasonably suited to the requestor's needs is not available from any other source," and that "the need for the information outweighs the public interest considerations in maintaining the confidentiality of the OCC information and outweighs the burden on the OCC to produce the information." 12 C.F.R. § 4.33(a)(3)(iii). The OCC has sole discretion to deny a request for non-public information "based on its weighing of all appropriate factors including the requestor's fulfilling of the requirements enumerated in § 4.33". 12 C.F.R. § 4.35(a)(1). The OCC's decision is a final agency action which exhausts administrative remedies for discovery of the information. Id. The OCC may deny a request for reasons that include the following:
(i) The requester was unsuccessful in showing that the information is relevant to the pending matter;
(ii) The requester seeks testimony and the requestor did not show a compelling need for the information;
(iii) The request arises from an adversarial matter and other evidence reasonably suited to the requestor's need is available from another source;
(iv) A lawsuit or administrative action has not yet been filed and the request was made in connection with potential litigation; or
(v) The production of the information would be contrary to the public interest or unduly burdensome to the OCC.
B. The Parties' Arguments
Plaintiff argues that the OCC's denial was arbitrary and capricious because it failed to consider the appropriate regulatory factors, as they pertain to plaintiff's request. Plaintiff contends that its request fulfilled all the regulatory requirements for requesting a SAR, including a showing of the relevance, the unavailability of alternative sources of evidence, the need as compared to the public interest in SAR confidentiality, the inapplicability of policy concerns, and the minimal burden of production on the OCC. See 12 C.F.R. § 4.33. In response, plaintiff received a one-page denial letter which cited the statute and regulations regarding the confidentiality of SARs, numerous cases in which courts "have refused to order the production of a SAR in discovery," and an OCC Interpretive Letter explaining the confidentiality of SARs. Pl.'s MSJ Ex. B.
The OCC argues that this letter was sufficient because there is an absolute prohibition on releasing a SAR. Therefore, no consideration of the request was necessary. The United States, through the Department of Justice's ("DOJ's") Statement of Interest, echoes the OCC's position.
C. Analysis of the OCC's Decision
The Court recognizes that the Bank Secrecy Act, the OCC's regulations, and case law establish an absolute prohibition on financial institutions from disclosing to third parties information about the filing of a SAR. Thus, plaintiff is prohibited from asking Union Planters National Bank about any SARs it may have filed. However, that is not the issue before the *693 Court. The Court is asked to determine whether an administrative request for information made to the OCC was properly considered by the agency. The OCC's position, that it does not have to consider plaintiff's request individually because the OCC itself is absolutely prohibited from revealing information about the filing of a SAR to third parties, is not supported by the Bank Secrecy Act or by its own regulations. The few cases that concern requests to the federal treasury agencies, rather than financial institutions, support the conclusion that the OCC has the authority to release a SAR. But see, Wuliger v. OCC, 2005 WL 2587237 (N.D.Ohio 2005), discussed infra.
1. OCC Regulations
The OCC denial letter, which constitutes the record of administrative decision-making for purposes of this action, first refers the applicant to the OCC's regulations. The denial letter acknowledges that plaintiff's request was made pursuant to 12 C.F.R. § 4.31 et seq. The denial letter then cites 12 C.F.R. § 21.11(k) in support of the proposition that "a SAR is confidential." Pl.'s MSJ Ex. B.
The detailed regulatory provisions found at 12 C.F.R. § 4.31 et seq., sketched briefly supra, present a coherent framework for requesting a SAR from the OCC. A plain reading of the regulations would lead anyone to the conclusion reached by plaintiff that a request that complied with these provisions would be considered by the OCC. Even 12 C.F.R. § 21.11(k), the OCC's confidentiality regulation, prohibits any "national bank or person" from revealing information about a SAR, and requires anyone of whom such a request is made to "notify the OCC." It is odd to consider this confidentiality provision as applying to the OCC itself.
Rather, section 21.11(k) fits neatly into the regulatory scheme directing all requests for SARs to the OCC and away from the financial institutions themselves. To interpret section 21.11(k) as an absolute prohibition on the OCC itself, not only renders section 21.11(k) somewhat contradictory, it makes the detailed process outlined in section 4.31 et seq. a nullity. Of course, it is an "elementary canon of construction that a statute should be interpreted so as not to render one part inoperative." Mountain States Tel. & Tel. Co. v. Pueblo of Santa Ana, 472 U.S. 237, 249, 105 S.Ct. 2587, 86 L.Ed.2d 168 (1985); Miller v. Medical Center of Southwest Louisiana, 22 F.3d 626, 629 (5th Cir.1994).
The OCC regulations indicate that a request for a SAR must be made to the OCC and that banks are prohibited from revealing information about SARs. The denial letter's citation to the regulations to support the proposition that "a SAR is confidential" is completely non-responsive to plaintiff's request. Plaintiff is apparently aware that a SAR is confidential. That is, presumably, why plaintiff followed the regulations in its detailed request to the OCC.
An agency's interpretation of its own unambiguous regulations is "`entitled to respect' . . . only to the extent that those interpretations have the `power to persuade.'" Christensen v. Harris County, 529 U.S. 576, 587, 120 S.Ct. 1655, 146 L.Ed.2d 621 (2000) (quoting Skidmore v. Swift, 323 U.S. 134, 140, 65 S.Ct. 161, 89 L.Ed. 124 (1944)); Moore v. Hannon Food Service, Inc., 317 F.3d 489 (5th Cir.2003). Because SARs are unambiguously incorporated in the provisions allowing requests for non-public OCC information, the Court finds the OCC's interpretation that those regulations create an absolute prohibition on SAR disclosure by the OCC itself to be unpersuasive.
*694 2. The Bank Secrecy Act
The OCC denial letter next cites the statutory provision at 31 U.S.C. section 5318 as the basis for the confidentiality regulation. This, too, is completely nonresponsive to plaintiff's request. The OCC, the DOJ, and numerous court decisions have spent much energy explaining why the OCC's regulations are a reasonable interpretation of the statute and should receive deference under Chevron U.S.A., Inc. v. Natural Resources Defense Council, Inc., 467 U.S. 837, 104 S.Ct. 2778, 81 L.Ed.2d 694 (1984). The validity of the regulations, however, is not at issue in this case, and the Court makes no determinations regarding their validity. The issue before the Court is whether the OCC complied with those regulations in denying plaintiff's request. As noted above, the OCC's own regulations specify the factors that should be considered when a request for non-public information is received. The contention that the regulations are a valid implementation of the statute does nothing to bolster decision-making that fails to follow those very regulations.
Another statutory provision on which the OCC relies is the "safe harbor provision" of 31 U.S.C. § 5318(g)(3)(A), which states as follows:
Any financial institution that makes a voluntary disclosure of an possible violation of law or regulation to a government agency . . . shall not be liable to any person . . . for such disclosure or for any failure to provide notice of such disclosure to the person who is the subject of such disclosure or any other person identified in the disclosure.
The OCC contends that this provision forecloses disclosure to plaintiff because plaintiff would use the disclosure to prove liability in its civil case. Def.'s Opp. Memo. at 6. However, plaintiff is not seeking to impose liability on Union Planters Bank for filing a SAR or for failing to notify any party mentioned in a SAR. The filing of a SAR is clearly not what plaintiff complains of in its State Court suit. Although plaintiff seeks information about a SAR to prove liability or to impeach, the filing of a SAR is not the basis for liability. The safe harbor provision is not implicated by plaintiff's administrative request.
3. Case law
Following reference to the regulations and the statute, the denial letter lists five cases as support for the proposition that "numerous courts have refused to order the production of a SAR in discovery." Pl.'s MSJ Ex. B. Once again, the OCC's blanket statement is completely non-responsive to plaintiff's request. Plaintiff has not sought production of a SAR in discovery. The regulations and cases clearly prohibit this route. Instead it has sought information through the administrative request procedure dictated by OCC regulations.
a. Discovery Request Cases
Four of the five cases cited in the denial letter deal with discovery requests or motions seeking a SAR from financial institutions. See Lee v. Bankers Trust Co., 166 F.3d 540, 544 (2d Cir.1999) (financial institutions are prohibited from disclosing SAR "unless ordered to do so by the appropriate authorities"); Whitney Nat'l Bank v. Karam, 306 F.Supp.2d 678 (S.D.Tex.2004) (granting bank parties protection from discovery requests seeking information about the filing of SAR); Nieman v. Firstar Bank, 2005 WL 2346998 (N.D.Ia.2004) (safe harbor provision grants banks immunity from claims based on filing a SAR); and Bank of China v. St. Paul Mercury Ins. Co., 2004 WL 2624673, 2004 U.S. Dist. LEXIS 233464 (S.D.N.Y. Nov. 19, 2004) (denying motion to compel production of *695 SAR "without OCC's prior consent" as provided by 12 C.F.R. § 4.32).
Although these cases do support the OCC's contention in the denial letter that courts have refused to order the production of SARs in discovery, plaintiff is correct that this is an unreasonable basis for denying plaintiff's administrative request. In fact, as noted in the parentheticals above, two of these cases recognize that the "appropriate authorities" can disclose a SAR.
b. Administrative Request Cases
The one case in the denial letter that addresses an administrative request such as plaintiff's is U.S. v. Bortnick, 2005 WL 300071 (E.D.Pa.2005). Bortnick is a one paragraph order, with a one paragraph footnote. The order rules on the merits of the criminal defendant's motion to compel the OCC to produce SARs. The court finds that the defendant "has not made the showing required by 12 C.F.R. § 4.33 that his need for the information outweighs the substantial public interest in maintaining the confidentiality of [SARs]" and that "other evidence reasonably suited to his defense is not available from any other source." Id. at *1. The footnote indicates that the bank filing a SAR is prohibited by 12 C.F.R. § 21.11(k) from producing it.
Clearly, reference to a terse opinion in which a previous requester failed to meet the requirements of 12 C.F.R. § 4.33 does not address plaintiff's own request. Indeed, the case supports plaintiff's understanding that the procedure outlined in 12 C.F.R. § 4.31 et seq. is the proper course for obtaining a SAR.
Of all the cases cited to the Court in memoranda relating to the motions before it, only two other cases concern requests to agencies for disclosure of a SAR. In the first, Federal Deposit Insurance Corp. v. Flagship Auto Center, Inc., 2005 WL 1140678 (N.D.Ohio 2005), the court refused to compel the Federal Reserve Board to produce a SAR in response to a discovery request because "[p]ersons seeking such confidential supervisory information must file a written request with the Board's general counsel showing that the need for confidential information outweighs the need to maintain confidentiality and that disclosure is consistent with the supervisory or regulatory policies of the Board," and the defendants "failed to demonstrate that they made an administrative request to the Board for the documents." Id. at *5-6. As with Bortnick, this case supports plaintiff's understanding that the regulations make SARs available through administrative request.
The final case offered by defendant is the recently decided Wuliger v. Office of the Comptroller of the Currency, 394 F.Supp.2d 1009 (N.D.Ohio 2005). Counsel for the OCC and the DOJ relied heavily on Wuliger at oral arguments because it is directly on point with the case before the Court. However, the Court finds Wuliger's analysis unconvincing.
Wuliger upholds the OCC's denial of an administrative request for a SAR because it finds that 12 U.S.C. section 21.11(k) is a valid implementation of the Bank Secrecy Act. "[T]his court finds § 21.11(k) to be consistent with the authorizing legislation under 31 U.S.C. § 5318(g)(2) and a reasonable implementation of the statutory provision regarding reporting and disclosure of SARs." Id. at 1017-18.[2] As noted above, plaintiff is not challenging the validity of the regulation, but is seeking to have the *696 OCC comply with those regulations. The finding of validity is all but irrelevant in this context.
In support of the confidentiality of SARs, Wuliger cites eight cases, all of which deal with discovery requests made to banks, not administrative requests made to agencies. Plaintiff in this case has not made a discovery request to the bank, so these cases, like the finding of validity, have little relevance. As noted above, the cases dealing with requests to agencies do not support defendant's argument that the OCC itself is absolutely prohibited from disclosing a SAR.
In sum, Wuliger makes an unwarranted leap from a finding that the regulations are reasonable and SARs are confidential to the conclusion that an administrative request should be denied without weighing the competing interests, just as a discovery request would be. No analysis is offered to support that leap. The Court disagrees with Wuliger's conclusion.
4. OCC Interpretive Letter No. 978
The last reference in the denial letter is to OCC Interpretive Letter No. 978. Interpretive Letter No. 978 gives the same run-down of regulation and statute as in the denial letter. It also cites several cases regarding the confidentiality of SARs, each of which deal with discovery requests to banks. Interpretive Letter No. 978 goes a little further than the denial letter by providing several policy reasons for the confidentiality of SARs. Counsel for defendant and the DOJ advanced these policy reasons in their briefs as support for an absolute prohibition on SAR disclosure. However, under the OCC regulations at 12 C.F.R. § 4.31, et seq., it is incumbent upon the OCC to weigh these policy concerns against the interest represented in the application of one requesting non-public information. A blanket reference to the policies, as policies, is non-responsive to plaintiff's individual application.
Interpretive Letter No. 978 opines that "the willingness of banks to make these filings will be diminished if SARs are made freely available." However, the point of the administrative request as the sole means of disclosure, rather than normal discovery methods, is that SARs will not be "freely available." They will only be available when the relevance and need of the requester outweighs the public interest in confidentiality and the burden of production on the OCC. See, 12 C.F.R. § 4.33.
The policy reasons supporting the public interest in confidentiality have been well-documented by the cases discussing the confidentiality provisions. These reasons were raised before the Court in this case as well. However, the record before the Court indicates that none of the reasons cited by the OCC in its letters or by the cases cited therein apply to the specific application of plaintiff in this case.
Clearly, granting plaintiff's well-supported request will not make SARs "freely available" to civil litigants or discourage banks from complying with the duties imposed upon them by law. On the other hand, plaintiff points out that an absolute prohibition not contemplated by the Bank Secrecy Act or by OCC regulations might encourage banks to commit fraud on the courts with impunity.
Disclosure of a SAR in a case where the subject of the report has already been convicted will not "compromise an ongoing law enforcement investigation, [or] provide information to a criminal wishing to evade detection." Whitney Nat. Bank v. Karam, 306 F.Supp.2d 678, 680 (S.D.Tex.2004). Similarly, a properly redacted SAR produced under a protective order would not "reveal the methods by which banks are *697 able to detect suspicious activity," nor "harm the privacy interests of innocent people whose names may be mentioned." Id. at 680-81.
None of the policy reasons generically offered by the OCC actually apply to plaintiff's request. On the other side of the balance, the record demonstrates plaintiff's need for the information and the relevance to its litigation. The State Court defendant has persistently denied under oath that it had any suspicion of illegal activity and none of the State Court defendant's records reveal any suspicion. The central claim against the State Court defendant is misrepresentation; therefore proof that the State Court defendant suspected illegal activity (and did not reveal its suspicions to plaintiff) is crucial. Plaintiff represents that allowing the State Court defendant to take a contradictory position in litigation to that taken with the OCC would effect a miscarriage of justice.

CONCLUSION
The denial letter failed in all respects to respond to plaintiff's request for disclosure of non-public information because defendant had decided that requests for SARs need not be considered individually. This is contrary to the unambiguous provisions of its own regulations. And the explanation for its decision was contrary to the record evidence. Therefore defendant's decision is arbitrary and capricious under the standard enunciated in Motor Vehicle Mfrs. Ass'n v. State Farm Mut. Auto. Ins. Co., 463 U.S. 29, 43, 103 S.Ct. 2856, 77 L.Ed.2d 443 (1983).
When a district court arrives at an issue that an agency has not yet evaluated, it is appropriate to remand the matter to the agency for review. Florida Power and Light Co. v. Lorion, 470 U.S. 729, 744, 105 S.Ct. 1598, 84 L.Ed.2d 643 (1985). However, when there was no procedural defect in agency decision-making, i.e., when the agency had a complete record before it and simply made an unlawful decision, there is no need to remand. The agency "is not entitled to a second bite of the apple just because it made a poor decision  if that were the case, administrative law would be a never ending loop from which aggrieved parties would never receive justice." McDonnell Douglas Corp. v. NASA, 895 F.Supp. 316, 319 (D.D.C.1995).
In addition, at oral argument, counsel for the OCC made it exceedingly clear that under no circumstances would the OCC release a SAR to a private litigant. Though the regulations require the OCC to weigh the relevant factors when considering a request, the OCC has taken the position that the factors are pre-weighed and that all requests for SARs will be categorically denied. Remand is not necessary where it will prove futile. Thornburgh v. American College of Obstetricians and Gynecologists, 476 U.S. 747, 756 n. 7, 106 S.Ct. 2169, 90 L.Ed.2d 779 (1986) (citing Illinois v. ICC, 722 F.2d 1341, 1348-49 (7th Cir.1983)); Florida Dept. of Labor and Employment Sec. v. U.S. Dept. of Labor, 893 F.2d 1319, 1324 (11th Cir. 1990). Accordingly,
IT IS ORDERED that defendant's Motion To Dismiss Or, In The Alternative, For Summary Judgment (Rec.Doc. 9) is DENIED and plaintiff's Cross-Motion For Summary Judgment (Rec.Doc. 13) is GRANTED.
IT IS FURTHER ORDERED that defendant produce within ten days from the entry of this order, in camera to the Court, any SAR responsive to plaintiff's administrative request. Defendant should use its judgment to redact any information that may reveal criminal detection methods or information concerning innocent *698 third parties. The Court will then determine the extent to which disclosure to plaintiff is warranted.
NOTES
[1]  The regulations of the Federal Reserve Board, 12 C.F.R. § 208.62(j), the Financial Crimes Enforcement Network, 31 C.F.R. § 103.18(e), and the Office of Thrift Supervision, 12 C.F.R. § 563.180(d)(12), are essentially identical. Cases referring to these provisions will be treated as pertinent to the OCC's regulation.
[2]  Wuliger also finds that the portions of the Bank Secrecy Act dealing with the prohibition on disclosure of reports does not violate the separation of powers doctrine and is not unlawfully retroactive. Wuliger v. OCC, at 1017-20 (N.D.Ohio 2005).
