Bank stocks fell in early trading after the Biden administration [proposed a rule](https://www.wsj.com/articles/biden-administration-to-propose-rule-to-lower-credit-card-late-fees-11675243257) that would limit credit-card late fees—a key source of lenders' profits. Issuers that specialize in private-label cards saw the largest stock declines after the Consumer Financial Protection Bureau rolled out a plan to lower the fee for a missed payment to $8, from as much as $41. Shares of Bread Financial