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horization under the Electronic Funds Transfer Act, 15 U.S.C. § 1693e(a)). 3 See, e.g., In re VistaPrint Corp. Marketing and Sales Practices Litig., MDL No. 4:08-md-1994, 2009 U.S. Dist. LEXIS 77509, 2009 WL 2884727. at '9 (S.D. Tex. Aug. 31. 2009) (dismissing ECPA claim where plaintiffs. "by eliciting