Even if U.S. District Court Judge Richard Leon orders debit card issuers to pay merchants for past interchange payments, legal experts doubt that his order would include most credit unions.

Leon raised the possibility of making such an order at Wednesday's hearing where he kept the old debit card rule in place for another week.

While few legal experts wanted to speculate on the record, they generally doubted whether a federal judge has the authority to order such payments and pointed out that most credit unions belong to the class of debit issuers that were not covered by the cap.

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