Major policy shift: The U.S. administration is moving to impose stricter caps on credit card interest rates, targeting what officials describe as predatory lending practices. A 10% ceiling on rates has been proposed as part of a broader crackdown on financial sector abuses. The rationale centers on consumer protection—preventing the credit card industry from exploitative rate structures. This represents a significant regulatory intervention in traditional finance, signaling a tougher stance on lending practices. Such policy directions reshape the financial landscape and could influence how investors view market oversight and institutional accountability across sectors.