The U.S. administration is moving to challenge what many view as predatory lending practices in the credit card industry. A proposal under consideration would effectively cap interest rates that credit card companies can charge, targeting the current widespread practice of rates ranging from 20% to 30% and beyond.

This shift in policy approach reflects growing pressure to address consumer debt burdens and lending practices. The move could reshape how financial institutions price credit risk and structure their lending models.

For the broader financial ecosystem—including decentralized alternatives and crypto-friendly platforms—such regulatory changes highlight the ongoing tension between traditional finance and emerging financial solutions. As conventional credit products face stricter oversight, the appeal of alternative financial mechanisms continues to gain attention among those seeking different approaches to borrowing and lending.