The fintech lending space is heating up. Bilt Rewards just dropped three fresh credit card options—and here's the kicker: all capped at 10% interest rates. The timing? No coincidence. Days earlier, the U.S. administration publicly warned lenders to fall in line with rate caps, or face consequences. It's the kind of market pressure that gets companies moving fast. Whether this sparks an industry-wide shift toward lower rates remains to be seen, but it's a clear signal that regulatory scrutiny on lending costs is ramping up. Traditional finance watchers should take note—this could reshape how credit products get priced moving forward.