Visa Analysts Confirm Resilience Amid Proposed 10% Credit Card APR Cap, Citing Asset-Light Business Model

Analysts highlighted Visa's resilience against the proposed White House 10% cap on credit card APRs, noting that the company operates as an asset-light transaction processor whose revenue is tied to transaction volume, not interest collected.

• This realization allowed the stock to recover much of the 4.5% loss it incurred earlier in the month.
• Investors are now monitoring the House Financial Services Committee markup of the Credit Card Competition Act (CCCA) set for January 22, 2026.