On January 24th, the Supreme Court unanimously reversed the Ninth Circuit and held that Regulation Z of TILA, as then in existence, did not require a credit card issuer to provide the credit card holder with a change-in-terms notice before implementing a previously disclosed agreement term allowing it to raise its interest rate, up to a pre-set maximum, following delinquency or default. Chase Bank USA, N.A. v. McCoy. View Ninth Circuit opinion.