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Chase Bank USA, N. A. v. McCoy, 09–329

In a suit by a credit card holder, alleging that Chase increased his interest rate due to his delinquency or default and applied that increase retroactively, and that this action violated Regulation Z because Chase did not notify him of the increase until after it had taken effect, the Ninth Circuit's decision in favor of credit card holder is reversed and remanded where, at the time of the transactions at issue, Regulation Z did not require Chase to provide him with a change-in-terms notice before implementing the agreement term allowing it to raise his interest rate, up to a pre-set maximum, following delinquency or default.

Appellate Information

  • Argued 12/08/2010
  • Decided 01/24/2011
  • Published 01/24/2011




  • United States Supreme Court