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CHASE BANK USA, N.A. v. McCOY

No. 09-329.

131 S.Ct. 871 (2011)

562 U.S. 195

CHASE BANK USA, N.A., Petitioner, v. James A. McCOY, individually and on behalf of all others similarly situated.

Supreme Court of United States.

Decided January 24, 2011.

Attorney(s) appearing for the Case

Seth P. Waxman, Washington, DC, for petitioner.

Joseph R. Palmore, for U.S. as amicus curiae, by special leave of Court, supporting petitioner.

Gregory A. Beck, Washington, DC, for respondent.

Christopher R. Lipsett, Noah A. Levine, Wilmer Cutler Pickering Hale and Dorr LLP, New York, NY, Seth P. Waxman, Counsel of Record, Daniel S. Volchok, Wilmer Cutler Pickering Hale and Dorr LLP, Washington, DC, for petitioner.

Barry L. Kramer, Los Angeles, CA, Gregory A. Beck, Counsel of Record, Deepak Gupta, Allison M. Zieve, Washington, DC, for respondent.

Justice SOTOMAYOR delivered the opinion of the Court.

As applicable to this case, Regulation Z—promulgated by the Board of Governors of the Federal Reserve System (Board) pursuant to its authority under the Truth in Lending Act (TILA), 82 Stat. 146, 15 U.S.C. § 1601 et seq.—requires that issuers of credit cards provide cardholders with an "[i]nitial disclosure statement" specifying, inter alia, "each periodic rate" associated with...

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