Are there any new federal regulations limiting the maximum penalty APR a bank can charge after a single late payment?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are there any new federal regulations limiting the maximum penalty APR a bank can charge after a single late payment?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
2026 federal regulation credit card penalty APR single late payment maximum penalty rate CARD Act CFPB 2026 Google ↗
12 CFR 1026.55 penalty rate increase delinquency 60 days late official eCFR Google ↗
- 12 CFR § 1026.9 - Subsequent disclosure requirements. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- § 1026.55 Limitations on increasing annual percentage rates, fees, and charges. · consumerfinance.gov
- Credit Card Penalty Fees Final Rule · consumerfinance.gov
- Texas judge throws out rule that would have capped credit card late fees · apnews.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 federal regulation credit card penalty APR single late payment maximum penalty rate CARD Act CFPB 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
12 CFR 1026.55 penalty rate increase delinquency 60 days late official eCFR OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |