News Brief: English
Summary
Major U.S. banks are resisting former President Donald Trump’s call for a 10% cap on credit card interest rates, warning they may close accounts instead. With no formal guidance issued, the industry awaits clarity from upcoming Senate discussions and the World Economic Forum in Davos.
Key Points
- Bank Resistance: JPMorgan Chase and Citigroup executives firmly oppose the proposed rate cap, stating it would restrict credit access and harm the economy. Citigroup’s CFO said they “would not or could not support” it.
- Potential Actions: Banks indicated they might respond by closing many customer accounts rather than offering cards at 10%. Legal challenges are also “on the table.”
- Unclear Policy: Five days after Trump’s threat, banks report receiving no formal, written guidance from his administration, leading some to doubt its seriousness.
- Legal & Legislative Hurdles: There is currently no U.S. law capping credit card rates. A related bill is stalled in Congress, and key Republicans oppose such price controls.
- Focus on Upcoming Events: The financial sector is watching Senate meetings this month and Trump’s scheduled appearance at the Davos forum next week for signals on how the conflict will unfold.
新闻简报：中文
摘要
美国主要银行正在抵制前总统特朗普提出的将信用卡利率上限设定为10%的呼吁，并警告称他们可能会关闭账户作为应对。由于未收到正式政策指引，该行业正密切关注本月参议院会议和下周达沃斯世界经济论坛的动向。
关键要点
- 银行抵制： 摩根大通和花旗集团高管坚决反对拟议的利率上限，称这将限制信贷获取并损害经济。花旗集团CFO表示他们”不会也不能支持”该政策。
- 潜在应对措施： 银行表示，与其提供利率10%的信用卡，他们可能选择关闭大量客户账户。法律挑战也已”摆在桌面上”。
- 政策不明： 在特朗普发出威胁五天后，银行称尚未从其政府收到任何正式书面指导，这让一些业内人士怀疑该政策的严肃性。
- 法律与立法障碍： 美国目前没有法律限制信用卡利率。一项相关法案在国会陷入停滞，且关键共和党人反对此类价格管制。
- 关注即将发生的事件： 金融界正密切关注本月参议院会议以及特朗普下周在达沃斯论坛的露面，以寻找这场冲突将如何发展的信号。
Original Article Link: https://www.cnbc.com/2026/01/14/trump-credit-card-cap-banks-fend-off-controls.html