Interest rates must be tied to the maximum capital gains bracket of the individual who is applying for the loan or credit card, to a maximum of 50% for any transaction. Any interest rate above 50% should be banned for any loan or credit card.
| Percent | Maximum Interest Rate |
|---|---|
| 0% | 12% |
| 7% | 18% |
| 14% | 25% |
| 20% | 30% |
| 32% | N/A |