The incoming U.S. administration is eyeing aggressive finance reform. Word is they're pushing for a hard cap—one year, 10 percent tops on interest rates. Credit card companies? They're getting called out hard for what's seen as predatory practices and public exploitation. Whether this gains traction in Congress is another story, but it signals where policy hawks are headed. For crypto traders, this matters: traditional finance reform talk often reshuffles capital flows and investor sentiment toward alternative assets.