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KalshiCloses January 1, 2027

Will credit card rates be capped in 2026?

The market puts it at 3.5% — a long shot, about one in 29 — on Kalshi, as of Oct 6, 12:36 UTC.

The odds

as of Oct 6, 12:36 UTC
  • Chance of yes 3.5% —
Traded today$1K
Traded in all$438K
Yes, 7 days+0.6 pts

Yes, the last 7 days

Kalshi price
25%50%75%Sep 28Oct 64%

Sep 29: 2.9% · Sep 30: 3.6% · Oct 1: 3.6% · Oct 2: 3.4% · Oct 3: 3.4% · Oct 4: 3.5% · Oct 5: 3.5% · Oct 6: 3.5%

How it resolves

Kalshi's rule, word for word
If the federal government has taken action to cap the annual interest rate that credit cards can charge after Issuance and before Jan 1, 2027, then the market resolves to Yes. The action does not need to be effective in the market's time frame. For example, the passing of a bill between Issuance and before Jan 1, 2027 that imposes a cap, even if the cap is not effective until after Jan 1, 2027, is encompassed by the Payout Criterion.

Settlement sources: The New York Times

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