Who regulates or decides the percentage of these interest rates?

Md Ariful Islam

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Dr. Md Rushad Rahman

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It starts with the federal government and the state government. They can charge up to 21%, which was set by the federal government. The states themselves can further restrict that. Some states can say maybe 18%; it depends, but that's more like a financial ruling and the regulations that come along with it. Credit card companies, on the other hand, have a little bit of leeway on that and can charge up to 21%, which, again, was set by the government and would depend on the restrictions that were made by the state.

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