An automobile accident led to tort litigation in the Circuit Court of Cook County, Illinois, against Elaine Oliva plus her employer Superior Bank, said to be vicariously liable on a theory of respondeat superior. Superior’s insurer assumed the defense. Counsel did not keep in, touch with his nominal client, because when the Bank was dissolved in July 2001, and the Federal Deposit Insurance Corporation became receiver of its assets and liabilities, no one noticed. In November 2003, however, defense counsel alerted plaintiffs and the court to Superior’s non-existence. Counsel also notified the FDIC; that was the first it had heard of the suit. When the state judge said in January 2004 that he would hold a trial with “Superior Bank” as a defendant notwithstanding these developments, the FDIC filed a formal petition to intervene in the Bank’s stead, a motion to dismiss, and a notice of removal to federal court.
Legislation enacted in 1989 and amended late in 1991 creates special removal rules for litigation involving failed banks. With some immaterial exceptions, all suits against the FDIC in any of its capacities “shall be deemed to arise under the laws of the United States” (12 U.S.C. § 1819(b)(2)(A)) and hence may be removed under 28 U.S.C. § 1441(b). Although most litigants must remove within 30 days from service or a new event making the suit removable, see 28 U.S.C. § 1446(b), the FDIC has 90 days “beginning on the date the action, suit, or proceeding is filed against the Corporation or the Corporation is substituted as a party.” 12 U.S.C. § 1819(b)(2)(B). The FDIC contends that this 90-day period did not begin until February 5, 2004, when it formally intervened in the state suit. The federal district judge, however, concluded that the 90 days began to run in 2001. Its appointment as receiver automatically replaced the Bank with the FDIC in litigation, the judge wrote.
The district judge thought that he had to choose between conflicting lines of precedent: some courts of appeals hold that
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the FDIC’s clock starts immediately on its appointment, while others hold that the time does not start until formal substitution as a party in court. Compare
Woburn Five Cents Savings Bank v. Hicks,
There is no need to choose sides in a conflict, because there is no conflict — -not, at least, at the appellate level.
Woburn
and
Lazuka
were decided in 1991, before the amendment that gave § 1819(b) its current text. They considered the FDIC’s removal rights and obligations under § 1446, a statute of general application.
Loyd
and
Diaz,
by contrast, were decided in 1992 and apply § 1819(b)(2)(B). No appellate court has held that the amended version of § 1819(b)(2)(B) starts the clock with the FDIC’s appointment as a receiver. The eleventh circuit has held that the amended § 1819(b)(2)(B) abrogates
Lazu-ka
by giving the FDIC 90 days after formal substitution to remove the case. See
FDIC v. S & I 85-1, Ltd.,
Section 1819(b)(2)(B) starts the clock when “the Corporation is substituted as a party.” Substitution “as a party” must mean “as a party to the litigation”. Reading this language to mean “substituted as the failed bank’s receiver” would turn the word “party” into mush. The FDIC may be a bank’s receiver or insurer or regulator (its three statutory capacities) but is not a “party” to anything in particular in any of these capacities. It becomes a “party” only in court. “Substituted as a party” and “appointed as a receiver” are too different to equate. Federal practice requires notice and motion for all substitutions other than the identity of an officeholder in official-capacity suits. See Fed.R.Civ.P. 25. Section 1819(b)(2)(B) should be understood against that background, so that substitution as a party requires a specific filing in court. (Illinois follows the same approach to substitution. 735 ILCS 5/2-1008. We refer to federal practice, however, because it supplies the background for § 1819(b)(2)(B), a statute that means the same in every state.)
The Resolution Trust Corporation, which like the FDIC can step into the shoes of failed banks, operates under a removal statute identical to § 1819(b)(2)(B). See 12 U.S.C. § 1441affi(3)(A)(i). Another subsection spells out what it means for the RTC to be “substituted as a party”: this occurs “upon the filing [in court] of a copy of the order appointing the [RTC] as conservator or receiver for that party or the filing of such other pleading informing the court that the [RTC] has been appointed conservator or receiver' for such party.” 12 U.S.C. § 1441a(i)(3)(B). The FDIC wants us to *597 apply this definition to its own removal statute despite its absence from § 1819. Perhaps that is sensible; § 1819 was amended in a “technical corrections” bill one week after Congress enacted the RTC’s statute, and the amending provision’s caption is “FDIC Removal Period Made Consistent With RTC Removal Period.” 105 Stat. 2286. As amended, § 1819(b)(2)(B) is identical to § 1441a(Z)(3)(A)(i), and reading these texts differently just because § 1819 lacks some elaboration that appears in § 1441a would double-cross the legislature unless there is a reason to think that the two statutes serve different ends. This is not to say that the definition in § 144Ía(Z)(3)(B) “applies” to § 1819(b)(2)(B); these laws do not cross-reference each other. Our point, rather, is that the events that gave § 1819(b)(2)(B) its current form confirm the statute’s most natural reading.
Reading § 1819(b)(2)(B) to mean what it says does not leave plaintiffs and state judges at the mercy of a potentially manipulative FDIC. Any litigant, or the court on its own motion, can substitute the FDIC for the failed bank as a party. That would open the 90-day window for removal. See
Diaz,
The FDIC’s notice of removal was timely under § 1819(b)(2)(B). The judgment of the district court therefore is vacated, and the case is remanded with instructions to adjudicate this suit on the merits.