( January 7, 2026, 7:58 AM EST) -- SAN FRANCISCO — A trial court properly dismissed a putative class complaint accusing a bank of violating the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) and California’s unfair competition law (UCL) by changing interest rates on outstanding balances on variable rate credit cards, a Ninth Circuit U.S. Court of Appeals panel ruled, holding that the increases and decreases fall within the CARD Act’s exception as they are based on the prime rate, a number that is out of the bank’s control....