A proposed ceiling on credit card interest rates could deliver significant disruption to the $70 billion market that securitizes credit card debt into bonds, according to market analysts. The impact would be substantial—affecting everything from bond yields to investor returns. Yet here's the twist: most investors aren't losing sleep over it. Why? Because the consensus view suggests any actual regulatory policy implementation remains uncertain. Whether this skepticism is justified or premature depends on how political winds shift and how seriously lawmakers push the proposal forward.