In Chase Bank USA, N.A. v. McCoy, 131 S. Ct. 171 (2011), the Supreme Court reversed a Ninth Circuit decision and held that TILA and the then-applicable version of Regulation Z did not require contemporaneous notice of a default rate increase where the triggering events and maximum default rate were stated in the customer agreement. On remand, the Ninth Circuit panel reconsidered its ruling on the remaining state law claims. McCoy v. Chase Manhattan Bank, USA, 2011 U.S. App. LEXIS 17217 (9th Cir. Aug. 19, 2011). The panel recognized that its ruling that Delaware banking law did not expressly authorize the challenged practice was contrary to decisions in two other circuits and the view of the Delaware legislature, which enacted a clarifying amendment directed specifically to the panel’s ruling. In light of these “significant legal developments,” the panel withdrew its earlier decision and affirmed the district court’s dismissal of the complaint. This decision should put an end to all remaining challenges to default rate practices followed by many credit card issuers before the CARD Act took effect in August 2009.