Donald Trump made headlines Wednesday night, promising a crowd in New York he would, if restored to the White House, put a "temporary cap on credit-card interest rates ... at around 10%," if he were elected. Doing so would require Congress to pass legislation, a move lawmakers on both sides of the aisle have proposed in recent years. Consumer banks like JPMorgan Chase and Citigroup earn a tidy share of the roughly $120 billion in credit-card interest and fees Americans pay each year, and industry groups have fought past efforts to cap fees by arguing that it would make it difficult for Americans to get approved for credit cards. Meanwhile, the analyst community isn't taking the former president's proposal too seriously, and is instead looking at Trump's bank-friendly first term as a guide for how investors should play a second Trump term, should he win.