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SWANSON v. BANK OF AMERICA, N.A.

No. 08-3322.

563 F.3d 634 (2009)

Laura M. SWANSON, individually and on behalf of a class, Plaintiff-Appellant, v. BANK OF AMERICA, N.A., and FIA Card Services, N.A., Defendants-Appellees.

United States Court of Appeals, Seventh Circuit.

April 24, 2009.

Attorney(s) appearing for the Case

Michael S. Hilicki, Attorney, Lawrence Walner, Walner Law Firm, Ltd., Chicago, IL, Barry Leonard Kramer, Attorney, Law Offices of Barry L. Kramer, Los Angeles, CA, for Plaintiff-Appellant.

Brandon C. Fernald, Attorney, Fulbright & Jaworski, Los Angeles, CA, for Defendants-Appellees.

Before EASTERBROOK, Chief Judge, and KANNE and EVANS, Circuit Judges.

EASTERBROOK, Chief Judge.

Our opinion in this appeal, released on March 19, 2009, held that issuers of credit cards may increase interest rates at the start of a billing cycle, without giving separate notice to borrowers, when contracts with the borrowers authorize the rate increase. We rejected Laura Swanson's argument that 12 C.F.R. § 226.9(c) requires at least 15 days' notice before a rate of interest may change. While our opinion was at the printer, a panel...

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