US Banking Sector Booms with Strong Loan Growth Amid Credit Card Rate Cap Debate

1. Overview of US Banking Growth in Q4 2025
Major banks in the US reported robust profitability and rising loan demand as 2025 closed, with Bank of America, JPMorgan Chase, Wells Fargo, and Citigroup all posting strong loan growth figures. �
Reuters

2. Influence of Proposed 10% Credit Card Interest Cap
Bank executives warn that President Trump’s proposed 10% cap on credit card interest rates could constrain credit availability and potentially slow economic growth. �
Reuters +1

3. Federal Reserve Independence Under Spotlight
Bankers reiterated support for the Federal Reserve’s independence amid political pressures — a pivotal theme for market stability. �
Reuters

Impact:
✔ Higher loan volumes support bank revenue growth. �
✔ Regulatory intervention risks affecting credit markets and consumer borrowing costs. �
✔ Confidence in central bank autonomy remains key for investor sentiment. �
Reuters
Reuters
Reuters
FAQ:
Q1. Why are U.S. banks seeing higher loan demand?
Stronger consumer and business credit needs combined with stable economic growth are boosting lending. �
Reuters
Q2. What is the proposed credit card rate cap?
A suggested 10% cap on credit card APR seeks to protect consumers but may limit lending flexibility. �

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