Observations of a black hole x-ray binary indicate formation of a magnetically arrested disk

Accretion of material onto a black hole drags any magnetic fields present inwards, increasing their strength. Theory predicts that sufficiently strong magnetic fields can halt the accretion flow, producing a magnetically arrested disk (MAD). We analyzed archival multiwavelength observations of an outburst from the black hole x-ray binary MAXI J1820+070 in 2018. The radio and optical fluxes were delayed compared with the x-ray flux by about 8 and 17 days, respectively. We interpret this as evidence for the formation of a MAD. In this scenario, the magnetic field is amplified by an expanding corona, forming a MAD around the time of the radio peak. We propose that the optical delay is due to thermal viscous instability in the outer disk.