特朗普呼籲將信用卡利率上限設為10%

The president has floated the idea of putting a one-year cap on credit card interest rates at 10%, saying that credit card companies have really abused the public. He told reporters that he wants the cap to become effective on a specific date and that credit card companies would be violating the law if they don't adhere to the cap.

總統提出了將信用卡利率上限設為 10% 一年的想法，稱信用卡公司確實濫用了公眾。他告訴記者，他希望上限在特定日期生效，如果信用卡公司不遵守上限，將違反法律。

In 2023, credit card rates began shooting to new highs. As of November 2025, the average rate was at 22.3%, according to the Federal Reserve, though many cards have terms well above that. A decade earlier, the credit card rate average was 13.9%. The rise is in part due to the high number of delinquencies, or credit card balances that are past due, as well as the federal reserve's elevated interest rates over the past few years.

2023 年，信用卡利率開始飆升至新高。根據美聯儲的資料，截至 2025 年 11 月，平均利率為 22.3%，儘管許多卡片的利率遠高於此。十年前，信用卡平均利率為 13.9%。利率上升部分是由於大量拖欠（即逾期未還的信用卡餘額），以及美聯儲在過去幾年中提高的利率。

It's unclear if the president has the authority to enforce a cap without Congress passing legislation. The president has not explained if he would work with Congress, sign an executive order or go another path. Critics have questioned whether the administration is serious about the proposal, pointing to previous campaign promises that were not followed through.

尚不清楚總統是否有權在沒有國會透過立法的情況下強制執行上限。總統沒有解釋他是否會與國會合作、簽署行政命令或採取其他途徑。批評者質疑政府是否認真對待這一提案，指出之前未兌現的競選承諾。

The Consumer Financial Protection Bureau was created in 2010, in the wake of the financial crisis, to protect consumers from fraudulent or predatory practices among large financial institutions, such as the companies that offer credit cards. However, the current administration has halted much of the watchdog's work, and the bureau is currently embroiled in a lawsuit over whether the administration can dramatically cut its staffing.

消費者金融保護局成立於 2010 年，在金融危機之後，旨在保護消費者免受大型金融機構（如提供信用卡的公司）的欺詐或掠奪性做法的侵害。然而，現政府已暫停了該監管機構的大部分工作，該局目前捲入了一場關於政府是否可以大幅削減其人員的訴訟。

Bank stocks dropped in response to the announcement. Industry groups said they shared the goal of affordable credit, but warned this would only harm consumers. They argued that two-thirds of cardholders who roll over their balance month-to-month could lose access to credit lines, or have them limited, after banks make changes due to the lost interest income.

銀行股因這一公告而下跌。行業組織表示他們認同負擔得起信貸的目標，但警告這隻會傷害消費者。他們辯稱，由於失去利息收入，銀行做出調整後，三分之二按月滾動餘額的持卡人可能會失去信貸額度，或受到限制。

重點詞彙

• float (v.)：提出（想法）
• cap (n.)：上限，封頂
• adhere to (phr.v.)：遵守，堅持
• delinquency (n.)：拖欠，逾期
• predatory (adj.)：掠奪性的，剝削的
• embroiled in (phr.v.)：捲入，深陷
• roll over (phr.v.)：展期，續期
• rally (n.)：集會
• float (v.)：提出（想法）
• cap (n.)：上限
• bipartisan (adj.)：兩黨的
• populist (adj.)：民粹主義的
• appeal (n.)：吸引力
• push back (phr.v.)：反對，抵制
• credit crunch (n.phr.)：信貸緊縮
• unintended consequences (n.phr.)：意外後果

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