Interest Rate Caps on Credit Cards: Policy Issues

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Report metadata

Identifier

IF12861

Version

6

Product type

Resources

Status

Active

Published

Mar 10, 2026

Source updated

Mar 13, 2026, 12:07 pm UTC

Authors: Karl E. Schneider, Andrew P. Scott

Source topics: Financial Market Regulation, Banking

Politically.com intentionally does not reproduce the report summary or full text. Use the official Congress.gov links above to read the product in its source context.

Structured Congress.gov references

Related federal bills

• S 1838A bill to amend the Electronic Fund Transfer Act to require the Board of Governors of the Federal Reserve system to prescribe regulations relating to network competition in credit card transactions, and for other purposes.
  118th Congress
• HR 3881To amend the Electronic Fund Transfer Act to require the Board of Governors of the Federal Reserve system to prescribe regulations relating to network competition in credit card transactions, and for other purposes.
  118th Congress
• HR 9303To amend the Electronic Fund Transfer Act to treat fraudulently induced electronic fund transfers in the same manner as unauthorized electronic fund transfers, and for other purposes.
  118th Congress
• S 4943A bill to amend the Electronic Fund Transfer Act to treat fraudulently induced electronic fund transfers in the same manner as unauthorized electronic fund transfers, and for other purposes.
  118th Congress
• S 3549A bill to amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers.
  118th Congress
• S 2730A bill to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions.
  118th Congress
• S 2760A bill to amend the Truth in Lending Act to cap credit card interest rates.
  118th Congress
• S 1934A bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, and for other purposes.
  118th Congress
• HR 7428To regulate the business of offering and providing earned wage access services to consumers, and for other purposes.
  118th Congress
• HR 8628To prohibit the Director of the Bureau of Consumer Financial Protection from issuing new rules or guidance relating to buy now pay later services until the Bureau and the Comptroller General of the United States each conduct a study on such services, and for other purposes.
  118th Congress
• HR 8356To amend the Truth in Lending Act to provide for a safe harbor for small-dollar credit products, and for other purposes.
  118th Congress
• S 381A bill to amend the Truth in Lending Act to cap credit card interest rates at 10 percent.
  119th Congress
• HR 1944To amend the Truth in Lending Act to cap credit card interest rates at 10 percent.
  119th Congress
• S 1582A bill to provide for the regulation of payment stablecoins, and for other purposes.
  119th Congress
• SJRES 18A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
  119th Congress
• S 3721A bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, and for other purposes.
  119th Congress