Group 1 - President Trump's proposal to cap credit card interest rates at 10% has caused significant concern among Wall Street investors, banks, and credit card companies, who believe it will harm markets and reduce financial accessibility [1] - SoFi CEO Anthony Noto supports the interest rate cap, recognizing that it would lead to a decline in card acceptance rates, which aligns with his company's interests as a commercial lender [2][3] - The average credit card interest rate was just under 21% at the end of 2025, indicating a long-term trend of rising rates that has created financial strain for many families [4] Group 2 - Trump's initiative to halve interest rates is seen as a temporary relief for borrowers with significant credit card debt, but it poses disruptive challenges for the broader market [5] - According to Noto, credit card issuers would struggle to maintain profitability under a 10% rate cap, leading to reduced lending to high-risk borrowers and increased fees, which could alienate millions of customers [6] - The proposed cap could result in decreased credit accessibility for families, forcing them to seek alternative cash sources for debt consolidation and essential expenses [7]

Core Viewpoint - Visa Inc. (NYSE:V) is facing challenges due to President Trump's proposed 10% cap on credit card APR rates, impacting its stock performance and growth outlook [2]. Group 1: Stock Performance - Visa's shares have increased by 4% over the past year but have decreased by 5% year-to-date [2]. - The stock has struggled in the context of regulatory changes suggested by President Trump [2]. Group 2: Analyst Ratings and Price Targets - UBS has reiterated a Buy rating for Visa with a price target of $425, suggesting potential revenue growth acceleration in 2026 [2]. - Baird also maintained an Outperform rating and a $425 price target following Visa's announcement of a $500 million deposit in a litigation escrow account [2]. Group 3: Market Context - Visa is categorized as a payment processing company that does not engage in lending, which was highlighted in Jim Cramer's discussion regarding the implications of Trump's interest rate cap [2][3].

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