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How to go into debt without anyone noticing.

I'm David Brunkacho in New York.

First, a federal judge has temporarily halted rules that would have capped most credit card late fees at $8. The rule had been set to go into effect tomorrow, but it's now on hold pending a decision from the US Supreme Court

over a more sweeping issue a challenge to the legitimacy of agencies that issue rules

like this.

Marketplace's Nova Safo has more.

The Consumer Financial Protection Bureau is like this, Marketplace's Novasafo has more.

The Consumer Financial Protection Bureau is waiting to find out whether the Supreme Court

will uphold its funding structure or strike it down.

The Fifth Circuit Court of Appeals struck it down, finding that the way the agency is funded

through the Federal Reserve is unconstitutional. The Supreme Court is considering the case.

And since that decision is still pending, a federal judge in Texas issued a temporary injunction

halting the CFPB's new credit card late fee regulations, saying that until the High Court

says otherwise he is bound by the Fifth Circuit's precedent

and the CFPB's rules are likely unconstitutional as well.

Judge Mark Pittman, a Trump appointee, made his decision only after the Fifth Circuit forced his hand.

He had initially sent the case to Washington because most of the players in the case are

based there.

That was a repudiation of a tactic known as forum shopping, in which litigants look for federal

...