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总结
围绕降低生活成本，特朗普政府推动对信用卡年化利率设定为期一年的10%上限，并要求银行在期限前给出执行方案。银行与华尔街担忧该措施压缩利润、打乱按风险定价，可能促使提高年费和其他费用、收紧授信或转向其他高成本信贷。多家媒体指出，单靠限息难以解决信用卡费用结构、消费者负债与违约风险等深层问题，并引发是否应在澳大利亚仿效的讨论。
正文
Trump's crackdown won't solve credit cards' many problems The Age Trump's affordability pledge strikes directly at the heart of Wall Street's profit engine CNN As Trump's deadline for a cap on credit card rates looms, banks have only questions and no answers AP News Why Bank CEOs Are Carefully Push Back on Trump's Credit-Card Rate Cap The Wall Street Journal Trump wants to cap credit card interest to 10% for a year. Should Australia consider it? The Conversation
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