Credit Card Caps, Couch Cushion Crypto Yields, and the Apple Card Reset: Politics Meets Banking Reality
Sat Jan 24 2026
A 10% credit card rate cap.
Crypto offering yield.
Apple ditching Goldman for JPMorgan Chase.
In this episode of What’s Going On in Banking, Ron Shevlin and Stacey Bryant break down the real-world consequences of headline-grabbing policy ideas, why buy now, pay later keeps winning with consumers, and what banks are getting right and wrong about crypto, partnerships, and relevance in 2026.
This isn’t political theater. It’s banking reality.
If you work in banking, fintech, payments, or credit unions, this episode is required listening.
Show Notes:
Banks Cry Foul Over High-Yielding Tokens as Crypto Fight Simmers in WashingtonThe Proposed Credit Card Interest Rate Cap Is All Politics, No Policy
Subscribe to the What's Going On In Banking podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/whats-going-on-in-banking
Chapters
[0:00] Welcome & catching up at Cornerstone
[2:45] The proposed 10% credit card rate cap
[4:45] Why the cap could hurt consumers most
[7:15] Buy Now, Pay Later vs credit cards
[10:25] Is BNPL the new “starter credit”?
[11:40] Should crypto be allowed to offer yield?
[14:05] Are banks overestimating the crypto threat?
[17:05] Apple Card: Goldman out, JPMorgan in
[19:20] What Apple & Goldman got wrong
[20:40] Final thoughts & what banks should focus on
More
A 10% credit card rate cap. Crypto offering yield. Apple ditching Goldman for JPMorgan Chase. In this episode of What’s Going On in Banking, Ron Shevlin and Stacey Bryant break down the real-world consequences of headline-grabbing policy ideas, why buy now, pay later keeps winning with consumers, and what banks are getting right and wrong about crypto, partnerships, and relevance in 2026. This isn’t political theater. It’s banking reality. If you work in banking, fintech, payments, or credit unions, this episode is required listening. Show Notes: Banks Cry Foul Over High-Yielding Tokens as Crypto Fight Simmers in WashingtonThe Proposed Credit Card Interest Rate Cap Is All Politics, No Policy Subscribe to the What's Going On In Banking podcast here: https://www.crnrstone.com/gritty-insights/podcasts/whats-going-on-in-banking Chapters [0:00] Welcome & catching up at Cornerstone [2:45] The proposed 10% credit card rate cap [4:45] Why the cap could hurt consumers most [7:15] Buy Now, Pay Later vs credit cards [10:25] Is BNPL the new “starter credit”? [11:40] Should crypto be allowed to offer yield? [14:05] Are banks overestimating the crypto threat? [17:05] Apple Card: Goldman out, JPMorgan in [19:20] What Apple & Goldman got wrong [20:40] Final thoughts & what banks should focus on