拜登政府提议限制信用卡滞纳金。 Biden's administration proposes capping credit card late fees.

拜登政府提议将所有信用卡滞纳金上限限制在 8 美元，作为反对“垃圾费”运动的一部分。 Biden's administration has proposed capping all credit card late fees at $8, as part of its campaign against "junk fees". 消费者金融保护局 (CFPB) 估计，此举每年可为美国人节省高达 100 亿美元。 The Consumer Financial Protection Bureau (CFPB) estimates that this move could save Americans up to $10 billion annually. 该规则旨在将平均信用卡滞纳金从 32 美元降低，并要求银行证明任何超过 8 美元的收费是合理的。 The rule aims to lower the average credit card late fee from $32 and will require banks to justify any charges over $8. 这项新规定是在 CFPB 发现银行每年收取约 140 亿美元的信用卡滞纳金之后出台的。 The new regulation comes after the CFPB found that banks collected around $14 billion in credit card late fees per year.