{"argument_date":"2010-12-08T00:00:00Z","arguments":[{"argument_date":"2010-12-08T00:00:00Z","heading":"What happened at the argument","official_detail_url":"https://www.supremecourt.gov/oral_arguments/argument_transcript/2010","official_transcript_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","paragraphs":["Seth Waxman argued for Chase Bank. He focused on interpreting Regulation Z.","Justice Kagan asked about deference to agency briefs. She cited the Auer standard.","Justice Breyer questioned the meaning of specific language. He challenged a dissent's characterization.","Justice Sotomayor asked about deference to ANPRs. She compared them to amicus briefs."],"reargument":false,"sequence":1,"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 21-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 10, lines 21-29"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 3-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 10, lines 3-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 45-1","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 10, lines 45-1"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 21-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 11, lines 21-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 39-39","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 11, lines 39-39"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 5-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 11, lines 5-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 17, lines 7-3","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 17, lines 7-3"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 17-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 26, lines 17-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 17-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 17-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 33-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 33-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 37-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 37-41"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 7-15","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 7-15"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 6, lines 39-47","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 6, lines 39-47"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 7, lines 23-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 7, lines 23-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 8, lines 47-5","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 8, lines 47-5"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 9, lines 29-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 9, lines 29-29"}]}],"caption":"Chase Bank USA, N. A. v. McCoy","case_history":[{"changed_at":"2026-08-29T20:06:25.308156Z","explanation":"An official oral-argument transcript was verified.","status":"argued"}],"case_status":"argued","dek":"Chase Bank argues it did not need to send a notice. McCoy argues the bank must send one.","dek_sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 17, lines 7-3","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 17, lines 7-3"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 17-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 26, lines 17-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 17-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 17-31"}],"dispositions":[],"latest_court_document_date":"2010-12-08T00:00:00Z","maturity":"official_transcript","official_detail_url":"https://www.supremecourt.gov/oral_arguments/argument_transcript/2010","official_disposition_urls":[],"official_docket_url":"https://www.supremecourt.gov/docket/docketfiles/html/public/09-329.html","primary_docket":"09-329","revisions":[{"correction_note":"Rewritten to the concise citizen-facing editorial standard.","created_at":"2026-08-31T00:30:27.173249Z","maturity":"official_transcript","revision_number":1},{"correction_note":"Migrated to the dated official Court activity contract without model use.","created_at":"2026-09-05T03:22:24Z","maturity":"official_transcript","revision_number":2}],"schema_version":"1.1","sections":[{"heading":"What this case is about","paragraphs":["The case tests how to read a Federal Reserve rule. The rule covers credit card penalty rates."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 17, lines 7-3","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 17, lines 7-3"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 17-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 26, lines 17-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 17-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 17-31"}]},{"heading":"How the case got here","paragraphs":["The Supreme Court heard oral argument in this case on December 8, 2010."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 7-15","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 7-15"}]},{"heading":"What each side wants","paragraphs":["Chase Bank wants the Court to say no notice is needed.","McCoy wants the Court to say the bank must send a notice."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 17, lines 7-3","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 17, lines 7-3"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 17-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 26, lines 17-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 17-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 17-31"}]},{"heading":"What each side says","paragraphs":["Chase Bank argues the rule does not require a notice for disclosed rates.","McCoy argues the rule requires a notice before applying penalty rates."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 17, lines 7-3","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 17, lines 7-3"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 17-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 26, lines 17-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 17-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 17-31"}]},{"heading":"What the justices asked","paragraphs":["Justice Breyer asked why the phrase to be sure matters.","Justice Kagan asked about deference to agency briefs under Auer."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 21-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 10, lines 21-29"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 3-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 10, lines 3-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 45-1","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 10, lines 45-1"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 21-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 11, lines 21-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 39-39","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 11, lines 39-39"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 5-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 11, lines 5-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 33-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 33-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 37-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 37-41"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 6, lines 39-47","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 6, lines 39-47"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 7, lines 23-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 7, lines 23-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 8, lines 47-5","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 8, lines 47-5"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 9, lines 29-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 9, lines 29-29"}]},{"heading":"Why it matters","paragraphs":["This case defines when banks must alert cardholders. It affects how penalty rates apply to millions of accounts."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 17, lines 7-3","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 17, lines 7-3"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 17-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 26, lines 17-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 17-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 17-31"}]},{"heading":"What happens next","paragraphs":["This article currently covers the argument record. Use the official docket link for later case activity."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 21-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 10, lines 21-29"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 3-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 10, lines 3-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 10, lines 45-1","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 10, lines 45-1"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 21-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 11, lines 21-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 39-39","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 11, lines 39-39"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 11, lines 5-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 11, lines 5-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 33-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 33-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 37-41","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 37-41"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 7-15","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 7-15"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 6, lines 39-47","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 6, lines 39-47"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 7, lines 23-27","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 7, lines 23-27"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 8, lines 47-5","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 8, lines 47-5"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 9, lines 29-29","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 9, lines 29-29"}]}],"slug":"2010-09-329-chase-bank-usa-n-a-v-mccoy","term":"2010","title":"Does a bank need to send a notice before applying a disclosed penalty rate?","title_sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 17, lines 7-3","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 17, lines 7-3"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 17-33","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 26, lines 17-33"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 17-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-329.pdf","page_label":"file page 3, lines 17-31"}],"topics":[],"undated_disposition_date_fallback":null,"updated_at":"2026-09-05T03:22:24Z"}