A major US banking executive recently flagged concerns about proposed rate caps on credit cards, warning that such regulations could negatively affect the vast majority of their customer base—upwards of 90%. The argument centers on how price ceilings in the credit market might reduce access to credit, increase lending costs for riskier borrowers, or force institutions to tighten underwriting standards. While this stems from traditional finance, the ripple effects matter for crypto participants too. Restrictive credit policies can influence consumer spending power, liquidity conditions, and broader macroeconomic stability—all factors that indirectly shape market sentiment and capital flows into digital assets. Whether you're a trader, investor, or hodler, these policy debates help explain why traditional finance headwinds sometimes correlate with crypto market volatility.