With Trump's 10% credit card rate cap deadline approaching, the banking sector faces mounting pressure. Financial institutions are scrambling to respond, but concrete solutions remain elusive. This policy push could reshape credit markets and have ripple effects across broader financial ecosystems. Banks are caught between regulatory mandates and operational constraints—caught between a rock and hard place, essentially. The uncertainty around implementation details has left market participants guessing about potential consequences. Whether this leads to tighter lending standards, reduced card issuance, or alternative credit models remains to be seen. For those tracking macroeconomic trends and their impact on asset markets, this regulatory shift is worth monitoring closely.