Consumer Financial Protection Bureau Director Richard Cordray rolled the dice with a measure of top importance to consumer advocates, but they say they are happy with his bet and optimistic it will pay out.

By finalizing a rule meant to facilitate class-action lawsuits in consumer finance, Cordray allowed for the possibility that the Republican-led Congress could overturn it through the Congressional Review Act. For fans of the new rule, such a repeal would be worse than no rule at all: Under the Congressional Review Act, the agency could not write another rule on the same issue unless Congress passed a law allowing it to.