On the other hand, the change of benchmark rate or required reserve ratio may bring a policy signal to capital market and alter both of the anticipation and decision of market participants.

另一方面如基准利率、法定准备金率等发生变动可能给市场带来一定的政策信号，改变市场参与者未来预期并影响其决策行为。

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Some issuers no longer provide full disclosure of the terms of the penalty rate, or fail to correctly follow disclosure requirements required by the new Federal Reserve rules.

FORBES: Many Credit Card Issuers Hiding Penalty Rates, Study Finds