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With President Trump’s recent calls for a nationwide cap and the bipartisan “10 Percent Credit Card Interest Rate Cap Act” gaining traction in Congress, the financial services landscape is bracing for a seismic shift. For the the credit and collection industry, the stakes couldn’t be higher. A hard cap on interest rates doesn’t just change a creditor’s bottom line; it fundamentally upends the economics of risk. If banks and fintechs can no longer “price for risk,” an estimated 175 million cardholders could see their credit lines slashed or accounts closed entirely. For collection agencies and debt buyers, this shift signals a transformation in portfolio quality, a potential surge in early-stage charge-offs, and a desperate need for new recovery strategies as consumers lose their traditional credit “safety nets.”

In this webinar, sponsored by Connect International, a panel of experts will break down the proposal and where it stands, the potential for executive action, and the ripple effects that could be felt.

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