NYSE:XHB News 28 January 2026

January 28, 2026, 10:10 AM EST. Bank stocks plunged after the White House proposed a 10% cap on credit card interest rates, hitting lenders like Capital One (down 9.1%). The cap limits banks' net interest margin (NIM), pressuring their profits. JPMorgan CEO Jamie Dimon called it an "economic disaster." Conversely, payment network Visa, which earns fees per transaction and not from lending, fell 8% despite its resilient model processing $15 trillion in volume last year. Meanwhile, energy pipeline companies are benefiting from regulatory rollbacks under the current U.S. administration, generating strong free cash flow and raising payouts. This shift marks a move from regulated financial lenders to less-regulated energy infrastructure as attractive dividend plays.