Decided
Chase Bank USA v. McCoy
Holding
The Federal Reserve Board's Regulation Z, in the version that existed before August 2009, did not require credit card issuers to give cardholders advance notice any time they raise the interest rate for default.
Plain English Holding
The Federal Reserve Board's Regulation Z, in the version that existed before August 2009, did not require credit card issuers to give cardholders advance notice any time they raise the interest rate for default.
Judgment
Ninth Circuit reversed, 9-0, in an opinion by Sonia Sotomayor on Jan 24, 2011.
Merits Briefs
- Brief for Petitioner Chase Bank USA, N.A.
- Brief for Respondent James A. McCoy, Individually and on Behalf of Others Similarly Situated
- Reply Brief for Petitioner Chase Bank USA, N.A.
Amicus Briefs
- Brief for the American Bankers Association in Support of Petitioner
- Brief for the United States of America in Support of Petitioner
Certiorari-Stage Documents
- Opinion below (9th Circuit)
- Petition for Certiorari
- Brief in Opposition (unavailable)
- Petitioner’s reply (unavailable)
- Amicus brief of the United States (Invited) (grant, vacate, remand in light of Federal Reserve Board’s interpretation of the regulations)
- Supplemental brief of respondent (unavailable)
Related Coverage
Sep 14, 2009Petition for a writ of certiorari filed. (Response due October 16, 2009)
Oct 8, 2009Order extending time to file response to petition to and including November 16, 2009.
Oct 16, 2009Brief amici curiae of American Bankers Association and Consumer Bankers Association filed.
Nov 12, 2009Order further extending time to file response to petition to and including November 30, 2009.
Nov 30, 2009Brief of respondent James A. McCoy, Individually and on Behalf of All Others Similarly Situated in opposition filed.
Dec 14, 2009Letter of December 14, 2009, from counsel for petitioner, proposing a lodging, received.
Dec 15, 2009Reply of petitioner Chase Bank USA, N.A. filed. (Distributed)
Dec 16, 2009DISTRIBUTED for Conference of January 8, 2010.
Jan 11, 2010DISTRIBUTED for Conference of January 15, 2010.
Jan 19, 2010DISTRIBUTED for Conference of January 22, 2010.
Jan 25, 2010The Solicitor General is invited to file a brief in this case expressing the views of the United States.
May 19, 2010Brief amicus curiae of United States filed.
Jun 1, 2010DISTRIBUTED for Conference of June 17, 2010.
Jun 1, 2010Supplemental brief of respondent James A. McCoy, Individually and on Behalf of All Others Similarly Situated filed. (Distributed).
Jun 21, 2010Petition GRANTED.
Jun 22, 2010Consent to the filing of amicus briefs, in support of either party or of neither party, received from counsel for the petitioner.
Jul 14, 2010The time within which to file the joint appendix and petitioner's brief on the merits is extended to and including August 26, 2010.
Jul 14, 2010The time within which to file respondent's brief on the merits is extended to and including October 18, 2010.
Jul 22, 2010Motion to dispense with printing the joint appendix filed by petitioner Chase Bank USA, N.A.
Aug 26, 2010Brief of petitioner Chase Bank USA, N.A. filed.
Sep 1, 2010Brief amicus curiae of American Bankers Association filed.
Sep 2, 2010Brief amicus curiae of United States filed.
Sep 3, 2010Motion to dispense with printing the joint appendix filed by petitioner GRANTED.
Sep 7, 2010SET FOR ARGUMENT ON Wednesday, December 8, 2010.
Sep 24, 2010Record received from U.S.C.A. for 9th Circuit. (1 envelope)
Oct 6, 2010Record received from U.S.D.C. for Central District of California. (1 box)
Oct 8, 2010CIRCULATED
Oct 12, 2010Motion of the Acting Solicitor General for leave to participate in oral argument as amicus curiae and for divided argument filed.
Oct 18, 2010Brief of respondents James A. McCoy, Individually and on Behalf of All Others Similarly Situated filed. (Distributed)
Nov 15, 2010Motion of the Acting Solicitor General for leave to participate in oral argument as amicus curiae and for divided argument GRANTED.
Nov 17, 2010Reply of petitioner Chase Bank USA, N.A. filed. (Distributed)
Dec 8, 2010Argued. For petitioner: Seth P. Waxman, Washington, D. C.; and Joseph R. Palmore, Assistant to the Solicitor General, Department of Justice, Washington, D. C. (for United States, as amicus curiae.) For respondent: Gregory A. Beck, Washington, D. C.
Jan 24, 2011Judgment REVERSED and case REMANDED. Sotomayor, J., delivered the opinion for a unanimous Court.
Feb 25, 2011JUDGMENT ISSUED.
May 6, 2011Record returned to U.S.D.C. for Central Distict of California.
Recommended Citation: Chase Bank USA v. McCoy, SCOTUSblog, https://www.scotusblog.com/cases/chase-bank-usa-v-mccoy/