Michelle Oritz, Petitioner v. Paula Jordan et al.
Decided January 24, 2011. Ruth Bader Ginsburg delivered the opinion of the Court.
Docket 09-737 · 562 U.S. 180 (2011) · Cited 549 times
Holding
At the time of the transactions at issue, Regulation Z did not require Chase to provide McCoy with a change-in-terms notice before implementing the agreement term allowing it to raise his interest rate, up to a preset maximum, following delinquency or default.
The Court’s statement of the holding, from the opinion’s syllabus. The syllabus is prepared by the Reporter of Decisions and is not part of the opinion of the Court — read the official opinion for authority.
How the Justices voted
Decided 9–0.
Majority · 6
- Ruth Bader Ginsburg · delivered the opinion of the Court
- Elena Kagan
- John Glover Roberts Jr.
- Samuel A. Alito Jr.
- Sonia Sotomayor
- Stephen Gerald Breyer
Concurring · 3
- Anthony McLeod Kennedy
- Antonin Scalia
- Clarence Thomas · filed a concurring opinion
“Concurring” means agreeing with the outcome; any split shown is the Court’s judgment, not each Justice’s reasoning. Source: the Supreme Court Database (Spaeth et al.), Washington University.
Precedents cited
Supreme Court decisions this opinion relies on, ordered by how often it cites each. Cases in our collection link through; others are named.
- Mitchell v. Forsyth · 472 U.S. 511 (1985)
- Johnson v. Jones · 515 U.S. 304 (1995)
- Unitherm Food Systems, Inc. v. Swift-Eckrich, Inc. · 546 U.S. 394 (2006)
- Cone v. West Virginia Pulp & Paper Co. · 330 U.S. 212 (1947)
- Crawford-El v. Britton · 523 U.S. 574 (1998)
- Farmer v. Brennan · 511 U.S. 825 (1994)
- Harlow v. Fitzgerald · 457 U.S. 800 (1982)
- Cohen v. Beneficial Industrial Loan Corp. · 337 U.S. 541 (1949)
- Baldwin v. Reese · 541 U.S. 27 (2004)
- Behrens v. Pelletier · 516 U.S. 299 (1996)
- United States v. Detroit Timber & Lumber Co. · 200 U.S. 321 (1906)
- Liberty Mutual Insurance v. Wetzel · 424 U.S. 737 (1976)
- Montgomery Ward & Co. v. Duncan · 311 U.S. 243 (1940)
Cited by
Later Supreme Court opinions in our collection that cite this case.
- Dupree v. Younger · 598 U.S. 729 (2023)
Official text
Read the official opinion (U.S. Reports, govinfo.gov)
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Source: Supreme Court of the United States, slip opinions (2011). Citation count from the Free Law Project’s CourtListener bulk data. Data last verified 2026-07-03. Informational only; verify against the primary source before relying. Not a consumer report (FCRA).