Shaner v. Chase Bank USA

Filing 920091125

Opinion

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var WPFootnote1 = 'Of the Federal Circuit, sitting by designation.\
'

var WPFootnote2 = 'The Rates and Fees Table is not contained in this case\'s\
record, but neither party disputes that it governed the card\
agreement and specified a maximum default rate.\
'

var WPFootnote3 = 'Credit Card Accountability Responsibility and Disclosure Act\
of 2009, Pub. L. No. 111-24, sec. 101(a), § 127(i), 123 Stat. 1734,\
1735-36 (to be codified at 15 U.S.C. § 1637(i)); 74 Fed. Reg. 5244,\
5414-15 (Jan. 29, 2009) (to be codified at 12 C.F.R. § 226.9(g));\
74 Fed. Reg. 36,077, 36,077-78, 36,095-96 (July 22, 2009) (to be\
codified at 12 C.F.R. § 226.9(g)).\
'

var WPFootnote4 = 'In the process of adopting the new regulations, the Board\
issued several Federal Register notices that the parties in this\
case dispute as to their meaning and their authority as a potential\
source of the Board\'s interpretation of its pre-2009 regulations. \
E.g., Federal Reserve Board Truth in Lending Proposed Rule and\
Request for Public Comment, 72 Fed. Reg. 32,948, 33,009 (June 14,\
2007); Federal Reserve Board Truth in Lending Advance Notice of\
Proposed Rulemaking, 69 Fed. Reg. 70,925, 70,931-32 (Dec. 8, 2004). \
In light of the amicus brief clarifying the Board\'s interpretation\
of its pre-2009 regulations, we need not resolve these disputes.\
'

var WPFootnote5 = 'Shaner has recently asked to submit a responsive brief\
challenging the Board\'s reading of its own regulation--primarily\
based on textual and related arguments described above in this\
decision. We are granting her motion and have considered her\
arguments but they do not show that the Board\'s reading is an\
unreasonable one.\
'

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