特朗普总统提出对信用卡利率设定10%上限及禁止机构投资者购买独栋住宅的言论，使美国银行股大幅下跌。Capital One股价在纽约下跌6.3%至233.45美元，Synchrony下跌8.1%至79.84美元。特朗普要求在1月20日前实施上限，此举令金融界震动。即使Chase Sapphire Reserve等高端信用卡的年费高达795美元，其循环利率仍高达27.99%，而Lowe’s信用卡则为31.99%。美国消费者在2024年为信用卡支付的利息达1,600亿美元，比两年前增长52%，行业平均年利率达25.2%（通用卡）与31.3%（专属卡），为2015年以来最高。分析认为监管机构缺乏单方面设限的法定权限，除非国会立法，但行政部门可能通过政府合同审查或并购审批施压。
部分放贷机构视上限为机会，例如SoFi首席执行官表示减少信用卡贷款可转化为个人贷款需求。银行业协会警告此举将削弱部分客户信贷可得性并推动向非监管贷款流动，但同时承认需扩大“可负担信贷”。政策突变与特朗普政府在中期选举前聚焦民生成本形成呼应，与此前2025年放松监管推动银行股上涨形成鲜明对比。主要银行管理层在争论是否公开反击或接受利润损失。KBW分析师指出，尽管部分两党议员支持，但多数金融服务委员会与银行委员会成员可能反对。
房地产领域同样受波及。特朗普计划在达沃斯论坛公布禁止机构购买独栋住宅细节。尽管大型房东如Blackstone与Pretium已转向购买新建房产，该提案仍令业界不安。Pretium及Amherst高管辩称机构投资可提升租房者置业机会并支持新租赁房开发，而部分公司则研究联邦禁令的法律挑战及可能引发各州复制。Wells Fargo内部调查显示，债券交易员中多数认为若禁令限制以租赁房为抵押的证券化债务供应，反而可能收紧债券利差。
Stocks of major US banks tumbled after President Donald Trump called for a 10% cap on credit-card rates and proposed banning institutional investors from buying single-family homes. Capital One fell 6.3% to $233.45, and Synchrony dropped 8.1% to $79.84 in New York. Trump wants the rate cap in place by January 20. Even premium cards such as the $795-a-year Chase Sapphire Reserve charge up to 27.99% interest, while Lowe’s cards reach 31.99%. US consumers paid $160 billion in credit-card interest in 2024, up 52% from two years earlier, as average annual rates climbed to 25.2% for general-purpose cards and 31.3% for private-label ones — the highest since at least 2015. Analysts said regulators likely lack authority to impose the cap without Congress, though the administration could use procurement or merger oversight to pressure firms.
Some lenders view the cap as an opportunity; SoFi’s CEO said less credit-card lending could boost personal loan demand. Banking groups warned it would limit access to credit and drive borrowers toward unregulated markets, while acknowledging agreement with the goal of more affordable credit. The move aligns with Trump’s pre-midterm focus on consumer affordability and contrasts sharply with his 2025 deregulatory policies that lifted bank stocks. Executives now must decide whether to challenge or absorb billions in lost profit. KBW analysts noted that while the idea has some bipartisan backing, most Financial Services and Banking Committee members would oppose it.
Real estate investors also face uncertainty. Trump will detail his proposal to bar institutional homebuying at the World Economic Forum. Although firms like Blackstone and Pretium have shifted toward bulk purchases of new homes, the policy rattled the sector. Executives from Pretium and Amherst argued that institutional landlords improve affordability by funding new rental housing, while others explored legal countermeasures or assessed potential state-level bans. A Wells Fargo trader poll found many debt investors believe restricting securitized rental-home debt could actually tighten spreads, hinting at mixed but potentially stabilizing market effects.