Penner

MEMORANDUM

Plaintiffs sued Chase Bank for its practice of increasing cardholders’ interest rates upon default or delinquency and retroactively applying the increased rates to the beginning of the latest payment cycle.

1. As plaintiffs concede, their Truth in Lending Act and breach of contract claims have been foreclosed by the Supreme Court’s decision in Chase Bank USA, N.A. v. McCoy, — U.S.-, 131 S.Ct. 871 , 178 L.Ed.2d 716 (2011).

2. Plaintiffs’ declaratory relief, uncon-scionability and illegal penalty claims are foreclosed because Delaware law permits Chase’s practices. See McCoy v. Chase Manhattan Bank, USA Nat. Assoc., 654 F.3d 971, 975 (9th Cir.2011).

3. Plaintiffs fail to state a claim under the Washington Consumer Protection Act (WCPA), Wash. Rev.Code § 19.86.020. To succeed under the WCPA, plaintiffs must show that Chase’s actions had “the capacity to deceive a substantial portion of the public.” Hangman Ridge Training Stables, Inc. v. Safeco Title Ins. Co., 105 Wash.2d 778 , 719 P.2d 531, 535 (1986) (emphasis omitted). Here, however, “Chase openly and expressly notifies cardholders of the actions it reserves the right to take in the event of a default.” McCoy, 654…