Ifounded the Delaware Black Chamber of Commerce (DEBCC) in 2020 after recognizing a critical need for support among Black-owned businesses during the COVID-19 pandemic. As an entrepreneur myself, I’ve experienced the challenges Black business owners face—especially when it comes to accessing capital.

That firsthand experience drives our mission at the DEBCC: to create and sustain pathways for Black entrepreneurs and small business owners to succeed. It’s also why I feel compelled to speak out against a federal proposal that could ultimately do more harm than good: capping credit card interest rates.

At first glance, capping interest rates might seem like a win for consumers and small business owners. After all, who wouldn’t want lower costs on borrowed money? But as someone who works eve

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