Policy shift incoming: The incoming administration is targeting a hard ceiling of 10% on credit card interest rates, with implementation set for January 20th and a one-year duration. This move signals aggressive intervention in consumer finance markets. For investors, watch how this reshapes consumer credit dynamics—tighter margins for financial institutions could ripple through the sector. Meanwhile, such pro-consumer policies often correlate with increased demand for alternative assets and decentralized finance solutions, as traditional banking becomes less attractive. The crypto market has historically responded to monetary tightening and credit policy shifts.