On January 25th, the Supreme Court invited the U.S. Solicitor General to file an amicus brief in Chase Bank USA, N.A. v. McCoy, 09-329 (S.Ct.). In the opinion below, a divided panel of the Ninth Circuit held that the notice requirements of the Truth in Lending Act, as interpreted by the Federal Reserve Board's Official Staff Commentary, apply to discretionary interest rate increases that occur because of consumer default. McCoy v. Chase Manhattan Bank, USA.