THE COURT'S RULING HELD THAT A PERSON'S RIGHT TO PRIVACY APPLIES TO BANK AND OTHER RECORDS, UNLESS THE INSTITUTION HOLDING THE RECORDS IS NOT NEUTRAL - IS A SUSPECTED VICTIM OF SUSPECT. SEVERAL US SUPREME COURT CASES ARE CITED WHICH ARE SAID TO DENY SUCH AN INTERPRETATION OF A REASONABLE EXPECTATION OF PRIVACY. IMPLICATIONS OF THIS DECISION FOR LAW ENFORCEMENT INVESTIGATIONS IN BANKING AND NON-BANKING CASES ARE DISCUSSED. IN CASES IN WHICH THE INSTITUTION HOLDING THE RECORDS DOES NOT SEEM TO MEET THE NON-NEUTRAL REQUIREMENTS, IT IS SUGGESTED THAT THE DISTRICT ATTORNEY BE CONSULTED. IN THESE CASES, THE COURT REQUIRES RESORT TO 'LEGAL PROCESS', INTERPRETED TO MEAN A SEARCH WARRANT.