UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLUMBIA
KAFIL TUNSILL,
Plaintiff,
v. Case No. 1:25-cv-1556-RCL
SCOTT BESSENT, in his official capacity as Secretary of the United States Treasury and in his individual capacity where applicable,
Defendant.
MEMORANDUM OPINION & ORDER
Defendant Scott Bessent, in his official capacity as Secretary of the Treasury, has moved
to dismiss Plaintiff’s complaint in this action. See ECF No. 6. Before the Court is this motion,
along with Plaintiff’s motion for joinder, see ECF No. 2, Plaintiff’s motion to file his opposition
out of time, see ECF No. 7, and Plaintiff’s motion for leave to file an amended complaint, see ECF
No. 8. Having reviewed these motions and the complaint, the Court deems Plaintiff’s claims
frivolous. While the Court GRANTS Plaintiff’s motion to file his untimely opposition nunc pro
tunc, the motion for leave to file an amended complaint is hereby DENIED as futile. Defendant’s
motion to dismiss is GRANTED, and Plaintiff’s motion for joinder is therefore DENIED as
MOOT.
I. BACKGROUND
Plaintiff Kafil Tunsill, appearing pro se, has filed a complaint “as Trustee” of an entity
identified as the Serving Humanity Trust, “on behalf of himself and all similarly situated citizens
who have demanded redemption of Federal Reserve Notes in lawful money as authorized by law.”
1 Compl. at 2, ECF No. 1. In Plaintiff’s words, the Trust is “created solely in the Name of Allah”
and is “governed by the Qur’an alone,” meaning that “[n]o court, government, or institution on
earth holds any superior claim over [the] Trust or its assets, beneficiaries, or operations” because
the Trust “exists under the exclusive jurisdiction of Allah.” See Compl. Ex. C “Declaration of
Trust for Serving Humanity Trust” at 1, ECF No. 1-2.
Although Plaintiff asserts that he has demanded that the Treasury redeem his “Federal
Reserve Notes” for “lawful money,” Compl. at 2, Plaintiff does not make clear what he has
tendered to the Treasury, nor is it clear what Plaintiff believes he is entitled to in return. As best
the Court can discern, it would seem that Plaintiff has “submitted obligations to the U.S. Treasury
including International Bills of Exchange, 1099-OIDs, Affidavits of Suretyship, and Redemption
Notices.” Compl. Ex. B, “Notice of Intent to Redeem Obligations and Demand for Lawful
Remedy” at 2, ECF No. 1-2. Plaintiff further asserts that “lawful consideration has been tendered
through trust-issued instruments and digital settlement units known as Serving Humanity Coin
(SHC) on the XRP Ledger.” “Notice of Filing and Declaration of Lawful Money Redemption and
Trust Suretyship” at 1, ECF No. 9. According to Plaintiff, his trust holds 111,000 SHC for each
of its 10,000 beneficiaries. Id. at 2. He contends that each beneficiary “is authorized to issue a
Private Bond of $100 Billion USD face value, secured by their trust position and SHC holdings.”
Notice Ex. A, “Affidavit of Truth” at 1, ECF No. 9. Plaintiff also brazenly asserts that if the
defendant fails to comply with his demands, he will seek criminal indictment under 18 U.S.C.
§ 2381 and “will pursue the death penalty where lawfully warranted.” Compl. Ex. B, “Notice of
Intent to Redeem Obligations and Demand for Lawful Remedy” at 2.
II. LEGAL STANDARDS
Under Rule 12(b)(6) of the Federal Rules of Civil Procedure, a court may dismiss a
complaint that fails to allege “sufficient factual matter, accepted as true, to ‘state a claim to relief
2 that is plausible on its face.’” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (quoting Bell Atl. Corp.
v. Twombly, 550 U.S. 544, 570 (2007)). “Typically, a court considers whether to dismiss a claim
after the defendant files a motion to dismiss,” but “[c]omplaints may also be dismissed, sua sponte
if need be, under Rule 12(b)(6) whenever the plaintiff cannot possibly win relief.” Jefferies v.
District of Columbia, 916 F. Supp. 2d 42, 44 (D.D.C. 2013) (quoting Best v. Kelly, 39 F.3d 328,
331 (D.C. Cir. 1994)) (internal quotation marks and citation omitted).
III. DISCUSSION
While the Court has before it a variety of interrelated motions, the disposition of all of
them, and indeed the determinative feature of this case, comes down to fact that, liberally
construed, the complaint fails to present any non-frivolous argument. Plaintiff asserts that the
Treasury has failed to redeem into “lawful money” the “Federal Reserve Notes” tendered to it by
Plaintiff. But he alleges no plausible set of facts to support this assertion, nor does he construct a
viable legal theory as to the relief he seeks.
A. 12 U.S.C. § 411
Plaintiff’s primary contention appears to be that the Treasury violated 12 U.S.C. § 411 by
failing to “redeem in lawful money” his “Federal Reserve Notes.” Compl. at 2. This argument
falls flat on the merits.
To begin, the complaint, to the extent it is intelligible, appear to be brought on behalf of
the Serving Humanity Trust. Cases brought on behalf of a trust cannot proceed without licensed
counsel. See 28 U.S.C. § 1654 (“In all courts of the United States the parties may plead and
conduct their own cases personally or by counsel[.]”); Muthoka v. United States, No. 1:23-cv-
02436, 2023 WL 6961828, at *2 (D.D.C. Oct. 19, 2023) (collecting cases supporting the rule that
“as an artificial entity, a trust cannot proceed in federal court without licensed counsel”). Because
Tunsill does not appear to be a licensed attorney, dismissal is appropriate on this ground alone.
3 But even to the extent Plaintiff seeks to bring this claim on his own behalf, he cannot
establish a private right of action under § 411, which reads as follow:
Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank.
Federal Reserve “notes” are more commonly known as paper money or cash. See BD. OF
GOVERNORS OF THE FED. RSRV. SYS., Currency, https://www.federalreserve.gov/aboutthefed
/currency.htm [https://perma.cc/3QVW-QNP3]; Am. Council of Blind v. Mnuchin, 977 F.3d 1, 2
(D.C. Cir.
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UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLUMBIA
KAFIL TUNSILL,
Plaintiff,
v. Case No. 1:25-cv-1556-RCL
SCOTT BESSENT, in his official capacity as Secretary of the United States Treasury and in his individual capacity where applicable,
Defendant.
MEMORANDUM OPINION & ORDER
Defendant Scott Bessent, in his official capacity as Secretary of the Treasury, has moved
to dismiss Plaintiff’s complaint in this action. See ECF No. 6. Before the Court is this motion,
along with Plaintiff’s motion for joinder, see ECF No. 2, Plaintiff’s motion to file his opposition
out of time, see ECF No. 7, and Plaintiff’s motion for leave to file an amended complaint, see ECF
No. 8. Having reviewed these motions and the complaint, the Court deems Plaintiff’s claims
frivolous. While the Court GRANTS Plaintiff’s motion to file his untimely opposition nunc pro
tunc, the motion for leave to file an amended complaint is hereby DENIED as futile. Defendant’s
motion to dismiss is GRANTED, and Plaintiff’s motion for joinder is therefore DENIED as
MOOT.
I. BACKGROUND
Plaintiff Kafil Tunsill, appearing pro se, has filed a complaint “as Trustee” of an entity
identified as the Serving Humanity Trust, “on behalf of himself and all similarly situated citizens
who have demanded redemption of Federal Reserve Notes in lawful money as authorized by law.”
1 Compl. at 2, ECF No. 1. In Plaintiff’s words, the Trust is “created solely in the Name of Allah”
and is “governed by the Qur’an alone,” meaning that “[n]o court, government, or institution on
earth holds any superior claim over [the] Trust or its assets, beneficiaries, or operations” because
the Trust “exists under the exclusive jurisdiction of Allah.” See Compl. Ex. C “Declaration of
Trust for Serving Humanity Trust” at 1, ECF No. 1-2.
Although Plaintiff asserts that he has demanded that the Treasury redeem his “Federal
Reserve Notes” for “lawful money,” Compl. at 2, Plaintiff does not make clear what he has
tendered to the Treasury, nor is it clear what Plaintiff believes he is entitled to in return. As best
the Court can discern, it would seem that Plaintiff has “submitted obligations to the U.S. Treasury
including International Bills of Exchange, 1099-OIDs, Affidavits of Suretyship, and Redemption
Notices.” Compl. Ex. B, “Notice of Intent to Redeem Obligations and Demand for Lawful
Remedy” at 2, ECF No. 1-2. Plaintiff further asserts that “lawful consideration has been tendered
through trust-issued instruments and digital settlement units known as Serving Humanity Coin
(SHC) on the XRP Ledger.” “Notice of Filing and Declaration of Lawful Money Redemption and
Trust Suretyship” at 1, ECF No. 9. According to Plaintiff, his trust holds 111,000 SHC for each
of its 10,000 beneficiaries. Id. at 2. He contends that each beneficiary “is authorized to issue a
Private Bond of $100 Billion USD face value, secured by their trust position and SHC holdings.”
Notice Ex. A, “Affidavit of Truth” at 1, ECF No. 9. Plaintiff also brazenly asserts that if the
defendant fails to comply with his demands, he will seek criminal indictment under 18 U.S.C.
§ 2381 and “will pursue the death penalty where lawfully warranted.” Compl. Ex. B, “Notice of
Intent to Redeem Obligations and Demand for Lawful Remedy” at 2.
II. LEGAL STANDARDS
Under Rule 12(b)(6) of the Federal Rules of Civil Procedure, a court may dismiss a
complaint that fails to allege “sufficient factual matter, accepted as true, to ‘state a claim to relief
2 that is plausible on its face.’” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (quoting Bell Atl. Corp.
v. Twombly, 550 U.S. 544, 570 (2007)). “Typically, a court considers whether to dismiss a claim
after the defendant files a motion to dismiss,” but “[c]omplaints may also be dismissed, sua sponte
if need be, under Rule 12(b)(6) whenever the plaintiff cannot possibly win relief.” Jefferies v.
District of Columbia, 916 F. Supp. 2d 42, 44 (D.D.C. 2013) (quoting Best v. Kelly, 39 F.3d 328,
331 (D.C. Cir. 1994)) (internal quotation marks and citation omitted).
III. DISCUSSION
While the Court has before it a variety of interrelated motions, the disposition of all of
them, and indeed the determinative feature of this case, comes down to fact that, liberally
construed, the complaint fails to present any non-frivolous argument. Plaintiff asserts that the
Treasury has failed to redeem into “lawful money” the “Federal Reserve Notes” tendered to it by
Plaintiff. But he alleges no plausible set of facts to support this assertion, nor does he construct a
viable legal theory as to the relief he seeks.
A. 12 U.S.C. § 411
Plaintiff’s primary contention appears to be that the Treasury violated 12 U.S.C. § 411 by
failing to “redeem in lawful money” his “Federal Reserve Notes.” Compl. at 2. This argument
falls flat on the merits.
To begin, the complaint, to the extent it is intelligible, appear to be brought on behalf of
the Serving Humanity Trust. Cases brought on behalf of a trust cannot proceed without licensed
counsel. See 28 U.S.C. § 1654 (“In all courts of the United States the parties may plead and
conduct their own cases personally or by counsel[.]”); Muthoka v. United States, No. 1:23-cv-
02436, 2023 WL 6961828, at *2 (D.D.C. Oct. 19, 2023) (collecting cases supporting the rule that
“as an artificial entity, a trust cannot proceed in federal court without licensed counsel”). Because
Tunsill does not appear to be a licensed attorney, dismissal is appropriate on this ground alone.
3 But even to the extent Plaintiff seeks to bring this claim on his own behalf, he cannot
establish a private right of action under § 411, which reads as follow:
Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank.
Federal Reserve “notes” are more commonly known as paper money or cash. See BD. OF
GOVERNORS OF THE FED. RSRV. SYS., Currency, https://www.federalreserve.gov/aboutthefed
/currency.htm [https://perma.cc/3QVW-QNP3]; Am. Council of Blind v. Mnuchin, 977 F.3d 1, 2
(D.C. Cir. 2020) (referring to “Federal Reserve Notes—that is, U.S. paper currency”). As the
statute makes clear, § 411 governs the issuance procedures of paper money by the Federal Reserve
to Federal Reserve banks. Put simply, this statute describes a feature of the Federal Reserve
System’s basic architecture: the Federal Reserve banks receive cash under rules defined by the
Board of Governors, and that cash enters circulation through the banking system. As for the bit
about these notes being redeemable for “lawful money,” this language carried a different and now-
outdated significance under the monetary framework as it existed when the statute was enacted in
1913. BD. OF GOVERNORS OF THE FED. RSRV. SYS., What is lawful money? How is it different from
legal tender?, https://www.federalreserve.gov/faqs/money_15197.htm [https://perma.cc/C8G3-
9SVQ]. Today, paper cash is of course itself recognized as “lawful money,” and § 411 carries no
promise of convertibility into some conceivably more legitimate form of money. See Edgar v.
Inland Steel Co., 744 F.2d 1276, 1279 n.4 (7th Cir. 1984) (rejecting the argument that Federal
Reserve notes are not lawful money); United States v. Rickman, 638 F.2d 182, 184 (10th Cir. 1980)
(same); Milam v. United States, 524 F.2d 629, 630 (9th Cir. 1974) (same).
4 Were Plaintiff’s incorrect understanding of the statute not enough, no provision of federal
law suggests that § 411 does “confer[s] a private right of action,” as many other courts have
recognized. Yancey v. Fulton Fin. Corp., No. 23-cv-1791, 2024 WL 1344534, at *1 (E.D. Va.
Mar. 8, 2024)); Arnold v. Santander Consumer USA, No. 24-cv-1125, 2025 WL 1358546, at *2
(D. Conn. May 9, 2025) (“No law in the Second Circuit—or in the country—suggests that a private
individual may bring a claim under 12 U.S.C. § 411 . . . .”). This Court concurs. For all these
reasons, the claim fails as a matter of law.
A. Fifth Amendment and Bivens Claims
Plaintiff also alleges a violation of Fifth Amendment due process and asserts that Secretary
Bessent is liable in his individual capacity under Bivens v. Six Unknown Named Agents of Federal
Bureau of Narcotics, 403 U.S. 388 (1971). Compl. at 3. As with the § 411 claim, these claims
cannot proceed without appointed counsel to the extent they are brought on behalf of a trust. See
28 U.S.C. § 1654. What’s more, both of these claims appear to be predicated on Plaintiff’s
“statutory right” under § 411. Plaintiff asserts that the Treasury’s “refusal to honor [his] statutory
right without a hearing or process is a violation of due process,” and he alleges that Defendant is
“is liable in his individual capacity for knowingly denying Plaintiff’s clearly established rights.”
Compl. at 3. Because, for the reasons already discussed, Plaintiff (and the Trust) has no actionable
rights under § 411, these claims are wholly without merit. As such, these claims are also
dismissed.
Although Defendant moved to dismiss only in his official capacity, and Plaintiff has
asserted the Bivens claim against Defendant in his individual capacity, this claim is nevertheless
dismissed as well. District courts may “dismiss complaints sua sponte for failure to state a claim
under Rule 12(b)(6) whenever the plaintiff cannot possibly win relief.” Xiu Jian Sun v. Obama,