A major policy shift is coming to U.S. credit markets. The new administration has announced a one-year cap on credit card interest rates at 10%, kicking in from January 20th. This move could reshape consumer borrowing behavior and has broader implications for financial markets. When traditional lending becomes cheaper, it shifts capital flows—some might stay in traditional finance, others could seek higher yields in alternative assets. Worth monitoring how this plays out for market sentiment and asset allocation strategies.