Amends the matter preceding paragraph (1) of section 130(a) by inserting text (the specific insertion is not shown in the provided section text) and provides, via the sunset clause, that the insertion will be stricken on January 1, 2031.

Sets a national cap on credit card interest rates and blocks add‑on fees that try to get around that cap. If a lender charges above the cap, consumers gain clear rights to recover what they paid and seek other relief under existing Truth in Lending Act tools.

Keeps stronger state interest‑rate protections in place and makes a small technical fix to Truth in Lending Act remedies. The cap and related rules automatically end on January 1, 2031, unless renewed.