On August 19th, the Ninth Circuit withdrew an earlier opinion after the U.S. Supreme Court reversed it. On remand, the Ninth Circuit affirmed a trial court's dismissal of plaintiff's claim that the defendant bank violated the Truth in Lending Act and breached its contract by failing to notify plaintiff of an increase to his credit card interest rate. In light of its sister courts' opinions, and the actions of the Delaware legislature, the Ninth Circuit also held that defendant was permitted to raise its interest rates in the event of a customer default. McCoy v. Chase Manhattan Bank USA.