OPINION
IKUTA, Circuit Judge:
Watoshina Lynn Compton appeals the district court's dismissal of her claim under section 480-2 of the Hawaii Revised Statutes, which authorizes consumers to "bring an action based upon unfair or deceptive acts or practices." Haw.Rev.Stat. § 480-2(d) (referred to herein as a UDAP claim). Because Compton's complaint adequately alleges that unfair and deceptive acts by Bank of America Corporation (BAC)
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