The U.S. government shutdown could raise a caution flag for private companies considering a move to the public market for investors.

Klarna made a solid debut on the New York Stock Exchange, with shares of the Swedish buy now, pay later company rising nearly 15%.

Short-term lender Klarna says more customers are having trouble repaying their “buy now, pay later” loans.

The Consumer Financial Protection Bureau says in a new rule that buy now, pay later lenders are basically credit card providers and must provide the same protections and rights that apply to those lenders.

For Christmas shoppers that signed up for those buy now, pay later plans, the holidays are over and it’s time to pay up—maybe more than you expected. So, Consumer Reports is here to make sense of these short-term loans with important advice on how to dodge costly fees and what to do next time.

Sebastian Siemiatkowski is a co-founder and CEO of Klarna, the Sweden-based company that’s one of the world’s biggest providers of buy now, pay later services to customers.

A growing number of American shoppers have jumped at the chance to use “buy now, pay later” loans to pay for new sneakers, electronics, or luxury goods in installments.