There's been a notable shift in policy discourse around consumer credit markets. A proposal to implement a hard cap on credit card interest rates at 10% has surfaced amid concerns over mounting consumer debt levels. This kind of regulatory intervention in the credit market could have ripple effects across multiple financial sectors. When credit becomes artificially constrained through rate ceilings, lenders typically tighten approval standards and reduce available credit, which might paradoxically hurt borrowers with weaker credit profiles. From a macro perspective, this reflects growing awareness of the debt burden weighing on households—a factor often overlooked during bullish economic cycles. For crypto investors and traders who pay attention to macroeconomic indicators, understanding credit cycle dynamics matters. Tighter consumer credit could influence overall market liquidity and risk appetite, potentially affecting how assets across traditional and digital markets respond during periods of economic uncertainty.