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Rule changes and data that affect cardholders

2 guides

Regulator actions, interest rate data and law changes, explained without the noise.

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Credit card interest rate cap is a midterm issue: here's what's real

Candidates in both parties are promising a 10% cap on card rates, but no cap has passed and the average card APR is still above 21%.

News, November 3, 2026

  • Credit card debt cooled in August, but serious delinquencies stay high

    New Fed data shows card borrowing shrank in August, yet nearly 13% of card balances are 90+ days late, with young adults and people over 70 under the most strain.

    3 min read

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