A federal judge on Thursday ruled that the Consumer Financial Protection Bureau's structure is unconstitutional and disqualified the agency as a plaintiff in litigation against a New Jersey law firm that made high-cost loans to 9/11 first responders and pro football players diagnosed with brain injuries. Chief District Judge Loretta A. Preska of the U.S. District Court for the Southern District of New York found that the CFPB lacked the authority to bring claims against RD Funding in Cresskill, N.J., its owner Roni Dersovitz and two related companies, RD Legal Finance and RD Legal Funding Partners.