Chase Bank USA v. McCoy, 131 S. Ct. 871 (U.S. Sup. Ct. 2011)

(plaintiff need not provide written notice to account holders before raising credit card interest rates on account holders who defaulted on a payment - unanimously reversing U.S. Circuit Court of Appeals for the Ninth Circuit; Federal Reserve Board regulation at issue amended in 2009 (five years after case filed) to require advance notice of 45 days for higher interest rates; existing cardmember agreement disclosed conditions that had to be complied with to remain eligible for lower interest rates).