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A major policy shift just dropped: credit card interest rates are set to be capped at 10% starting January 20, 2026, with this measure lasting for one year. The stated goal? Giving American consumers breathing room from the squeeze of high borrowing costs. What does this mean for markets? Lower consumer debt service costs could free up capital for investment elsewhere—potentially shifting liquidity flows. Worth watching how this ripples through the broader economy and asset allocation strategies.