A major policy shift is brewing in the credit market. Calls are mounting for stricter caps on credit card interest rates—specifically, a 10% ceiling would replace the current 20–30% charges many consumers face. The proposed implementation targets January 20, 2026, signaling a serious push toward consumer protection in lending.

Why does this matter beyond traditional finance? Sweeping changes to credit accessibility and rates ripple through the entire financial ecosystem. When traditional lending tightens or restructures, demand for alternative financial solutions—including decentralized finance and crypto markets—often shifts. Keep tabs on this development; macroeconomic policy moves like these shape investor behavior and capital flows across asset classes.