Chamber of Commerce of United States v. Consumer Financial Protection Bureau, ___ F. Supp. 3d ___ (N.D. Tex. Apr. 15, 2025) Order of Northern District of Texas vacating CFPB rule entitled Credit Card Penalty Fees (Regulation Z), 89 Fed. Reg. 19,128 (Mar. 15, 2024). April 15, 2025 pdf