[PUBLISH] In the United States Court of Appeals For the Eleventh Circuit

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No. 22-10963 ____________________

UNITED STATES OF AMERICA, Ex Rel., Plaintiff, BRUCE JACOBS, Relator, Plaintiff-Appellant, versus JP MORGAN CHASE BANK, N.A.,

Defendant-Appellee. USCA11 Case: 22-10963 Document: 57-1 Date Filed: 08/26/2024 Page: 2 of 16

2 Opinion of the Court 22-10963

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Appeal from the United States District Court for the Southern District of Florida D.C. Docket No. 1:20-cv-20543-AMC ____________________

Before WILLIAM PRYOR, Chief Judge, and JILL PR