A federal judge in Texas on Thursday accused major banking industry groups and the U.S. Chamber of Commerce of location shopping in their lawsuit against the Consumer Financial Protection Bureau, a major victory for the federal regulator.

The agency had argued that the only reason banks filed their lawsuit in Texas was to increase their chances of a favorable ruling. Judge Mark Pittman ruled that the lawsuit should be transferred to Washington, where the banking lobby has armies of lawyers who can handle the case.

“Location is not a continental breakfast; you cannot choose where and how a lawsuit is filed at the whim of a plaintiff,” Pittman wrote.

The lawsuit centers on the CFPB’s new regulation on credit card late fees, which limits the average customer late fee to $8, a decrease from the average late fee for $32. The major banking groups filed their lawsuit in the U.S. District Court for the Northern District of Texas. Industry and advocacy groups have often filed lawsuits against the Biden administration there because of its historically conservative judges.

The banks have pushed hard to end the late fee rule because of the potential billions the banks would lose in revenue. The agency estimated when it issued the proposal that banks were taking in about $14 billion in credit card payments annually.

In his ruling, Pittman found little reason why the major industry groups — including the American Bankers Association, Consumer Bankers Association and the U.S. Chamber of Commerce — had filed their lawsuit there. The only connection between the banking industry and the district was the Fort Worth Chamber of Commerce, which only recently acquired a major bank as a member.

The CFPB had argued that Texas was an irrelevant place to bring a lawsuit over banking industry regulation, saying that Washington, with its location closer to regulators and its expertise in banking industry regulation the sector, was more suitable.

Pittman agreed with the Biden administration.

“As far as this Court can determine, none of the banks or credit card companies directly affected by the future (CFPB regulations) are located in the Fort Worth Division,” he said.

The American Bankers Association and the Consumer Bankers Association did not immediately return a request for comment.

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