Trump is pushing for lower credit card interest rates and reduced swipe fees—moves that sound good on paper but might hit a wall on Capitol Hill. Here's the thing: lawmakers actually need to pass new legislation to make it happen, and that's where things get tricky. Financial regulation isn't exactly known for moving fast, and the banking lobby has serious influence in Congress. The proposal addresses real pain points for consumers drowning in credit card debt, but getting enough votes behind it? That's the real challenge. Even with political momentum, the legislative process tends to drag on these kinds of financial reforms, especially when competing interests start weighing in.