Jared Goff throws for 3 TDs and Lions win 5th straight, dominating Titans 52-14

DETROIT (AP) — Jared Goff threw three touchdown passes but was far from the star for the Detroit Lions in one of the highest-scoring games in franchise history.

David Montgomery was the first of five Lions to score in the first half in a 52-14 rout of the Tennessee Titans on Sunday.

The Lions were efficient on offense, converting on all five chances in the red zone, and the other two phases were dominant. Detroit's defense forced four turnovers, and its special teams produced Kalif Raymond's 90-yard punt return for a touchdown — he finished with 190 yards on five punt returns — and Khalil Dorsey's 72-yard kickoff return that set up another score.

Detroit became the third team since 1941 to have a punt return of 90 yards or more and a kickoff return of 70 or more in a game.

“We play with three units and when a couple of them are humming at the right time, it can bail out one of your units,” coach Dan Campbell said.

The NFC North-leading Lions (6-1) have the conference's best record after winning five straight games, averaging 40-plus points over the last four, and the franchise's best seven-game record since 1956.

Detroit's scoring total trailed only a franchise-record, 55-point performance against Chicago in 1997.

The Lions were fine without big-play receiver Jameson Williams, who served the first of a two-game suspension for violating the NFL's performance-enhancing substance policy.

“We didn't miss a beat,” Campbell said.

Detroit has been on a roll by leaning on Goff, but it had more points (42) than he had passing yards (28) early in the third quarter. He finished 12 of 15 for 85 yards, taking advantage of takeaways by the defense that set him up with short fields.

“I don’t think I've ever been a part of something like that,” the 30-year-old Goff said.

The Lions also pulled off a trick play as they do in most games — this time, a touchdown pass by running back Montgomery, who took a pitch from Goff and found Sam LaPorta from 3 yards out to give the Lions a 35-14 lead and their highest-scoring half since 1970.

Jahmyr Gibbs had a 70-yard touchdown run late in the first quarter and finished with a season-high 127 yards rushing. Dorsey's long return to set up Goff's 8-yard TD pass to Brock Wright early in the second.

Raymond's 90-yard kickoff return early in the third put Detroit ahead 42-14.

The Titans (1-6) were handed a lopsided loss for the second straight week and have already signaled this is a rebuilding year by trading veteran receiver DeAndre Hopkins and starting linebacker Ernest Jones Jr.

“You’re going to get blown out by every team in the league turning the ball over four times,” Titans coach Brian Callahan said. “We just don’t complement each other at all. Right now, our special teams gives up yards, our defense doesn’t get a stop and we don’t do anything on offense and we turn it over. Everything needs to be better.”

The Titans extended their streak of throwing an interception in every game when Mason Rudolph was picked off by linebacker Trevor Nowaske in the first quarter. Rudolph later floated a pass that Kerby Joseph intercepted.

Rudolph did rush for his first touchdown, an 11-yarder that fooled Detroit’s defense and tied the game late in the first quarter.

Rudolph, starting for the injured Will Levis, was 22 of 38 for 266 yards with a 5-yard touchdown pass to Nick Westbrook-Ikhine early in the second quarter and two interceptions.

“I’ve got to protect the ball better and put our defense in a better situation,” Rudolph said. “I thought we did good things in the first half and we did move the ball, possess the ball, but none of that matters when you get your butt kicked.”

Ridley matched a career high with 10 receptions for a season-high 143 yards. Tony Pollard ran for a season-high 95 yards on 20 carries.

Titans: Levis (shoulder) missed a second straight week and CB L’Jarius Sneed (quadriceps) was also inactive.

Lions: LB Malcom Rodriguez (ankle) was ruled out in the first half and Campbell said he didn't think it would be a season-ending injury. DE Josh Paschal (illness) was inactive.

Titans: Host New England next Sunday.

Lions: At Green Bay next Sunday.

AP NFL: https://apnews.com/hub/nfl

Detroit Lions wide receiver Amon-Ra St. Brown (14) celebrates his touchdown with teammate Tim Patrick (17) during the first half of an NFL football game against the Tennessee Titans, Sunday, Oct. 27, 2024, in Detroit. (AP Photo/Paul Sancya)

Detroit Lions safety Kerby Joseph (31) runs with the ball after making an interception during the first half of an NFL football game against the Tennessee Titans, Sunday, Oct. 27, 2024, in Detroit. (AP Photo/Paul Sancya)

A Detroit Lions fan watches during the second half of an NFL football game against the Tennessee Titans, Sunday, Oct. 27, 2024, in Detroit. (AP Photo/Paul Sancya)

Detroit Lions running back David Montgomery (5) runs into the end zone for a touchdown past Tennessee Titans cornerback Darrell Baker Jr. (39) and linebacker Jack Gibbens (50) during the first half of an NFL football game Sunday, Oct. 27, 2024, in Detroit. (AP Photo/Paul Sancya)

Detroit Lions wide receiver Kalif Raymond (11) scores a touchdown against the Tennessee Titans during the second half of an NFL football game Sunday, Oct. 27, 2024, in Detroit. (AP Photo/Paul Sancya)

Tennessee Titans quarterback Mason Rudolph (11) runs into the end zone for a touchdown during the first half of an NFL football game against the Detroit Lions, Sunday, Oct. 27, 2024, in Detroit. (AP Photo/Carlos Osorio)

Detroit Lions tight end Brock Wright (89) celebrates his touchdown against the Tennessee Titans, during the first half of an NFL football game Sunday, Oct. 27, 2024, in Detroit. (AP Photo/Paul Sancya)

Tennessee Titans quarterback Mason Rudolph (11) before an NFL football game against the Detroit Lions, Sunday, Oct. 27, 2024, in Detroit. (AP Photo/Carlos Osorio)

Detroit Lions running back Jahmyr Gibbs (26) runs for a touchdown past Tennessee Titans safety Quandre Diggs (28) during the first half of an NFL football game Sunday, Oct. 27, 2024, in Detroit. (AP Photo/Paul Sancya)

Tennessee Titans wide receiver Calvin Ridley (0) makes a catch past Detroit Lions safety Brian Branch (32) during the first half of an NFL football game Sunday, Oct. 27, 2024, in Detroit. (AP Photo/Carlos Osorio)

Detroit Lions quarterback Jared Goff (16) throws a pass during the second half of an NFL football game against the Tennessee Titans, Sunday, Oct. 27, 2024, in Detroit. (AP Photo/Carlos Osorio)

Detroit Lions wide receiver Kalif Raymond (11) celebrates his touchdown during the second half of an NFL football game against the Tennessee Titans, Sunday, Oct. 27, 2024, in Detroit. (AP Photo/Carlos Osorio)

NEW YORK (AP) — Reviving a campaign pledge, President Donald Trump wants a one-year, 10% cap on credit card interest rates, a move that could save Americans tens of billions of dollars but drew immediate opposition from an industry that has been in his corner.

Trump was not clear in his social media post Friday night whether a cap might take effect through executive action or legislation, though one Republican senator said he had spoken with the president and would work on a bill with his “full support.” Trump said he hoped it would be in place Jan. 20, one year after he took office.

Strong opposition is certain from Wall Street in addition to the credit card companies, which donated heavily to his 2024 campaign and have supported Trump's second-term agenda. Banks are making the argument that such a plan would most hurt poor people, at a time of economic concern, by curtailing or eliminating credit lines, driving them to high-cost alternatives like payday loans or pawnshops.

“We will no longer let the American Public be ripped off by Credit Card Companies that are charging Interest Rates of 20 to 30%,” Trump wrote on his Truth Social platform.

Researchers who studied Trump’s campaign pledge after it was first announced found that Americans would save roughly $100 billion in interest a year if credit card rates were capped at 10%. The same researchers found that while the credit card industry would take a major hit, it would still be profitable, although credit card rewards and other perks might be scaled back.

About 195 million people in the United States had credit cards in 2024 and were assessed $160 billion in interest charges, the Consumer Financial Protection Bureau says. Americans are now carrying more credit card debt than ever, to the tune of about $1.23 trillion, according to figures from the New York Federal Reserve for the third quarter last year.

Further, Americans are paying, on average, between 19.65% and 21.5% in interest on credit cards according to the Federal Reserve and other industry tracking sources. That has come down in the past year as the central bank lowered benchmark rates, but is near the highs since federal regulators started tracking credit card rates in the mid-1990s. That’s significantly higher than a decade ago, when the average credit card interest rate was roughly 12%.

The Republican administration has proved particularly friendly until now to the credit card industry.

Capital One got little resistance from the White House when it finalized its purchase and merger with Discover Financial in early 2025, a deal that created the nation’s largest credit card company. The Consumer Financial Protection Bureau, which is largely tasked with going after credit card companies for alleged wrongdoing, has been largely nonfunctional since Trump took office.

In a joint statement, the banking industry was opposed to Trump's proposal.

“If enacted, this cap would only drive consumers toward less regulated, more costly alternatives," the American Bankers Association and allied groups said.

Bank lobbyists have long argued that lowering interest rates on their credit card products would require the banks to lend less to high-risk borrowers. When Congress enacted a cap on the fee that stores pay large banks when customers use a debit card, banks responded by removing all rewards and perks from those cards. Debit card rewards only recently have trickled back into consumers' hands. For example, United Airlines now has a debit card that gives miles with purchases.

The U.S. already places interest rate caps on some financial products and for some demographics. The Military Lending Act makes it illegal to charge active-duty service members more than 36% for any financial product. The national regulator for credit unions has capped interest rates on credit union credit cards at 18%.

Credit card companies earn three streams of revenue from their products: fees charged to merchants, fees charged to customers and the interest charged on balances. The argument from some researchers and left-leaning policymakers is that the banks earn enough revenue from merchants to keep them profitable if interest rates were capped.

"A 10% credit card interest cap would save Americans $100 billion a year without causing massive account closures, as banks claim. That’s because the few large banks that dominate the credit card market are making absolutely massive profits on customers at all income levels," said Brian Shearer, director of competition and regulatory policy at the Vanderbilt Policy Accelerator, who wrote the research on the industry's impact of Trump's proposal last year.

There are some historic examples that interest rate caps do cut off the less creditworthy to financial products because banks are not able to price risk correctly. Arkansas has a strictly enforced interest rate cap of 17% and evidence points to the poor and less creditworthy being cut out of consumer credit markets in the state. Shearer's research showed that an interest rate cap of 10% would likely result in banks lending less to those with credit scores below 600.

The White House did not respond to questions about how the president seeks to cap the rate or whether he has spoken with credit card companies about the idea.

Sen. Roger Marshall, R-Kan., who said he talked with Trump on Friday night, said the effort is meant to “lower costs for American families and to reign in greedy credit card companies who have been ripping off hardworking Americans for too long."

Legislation in both the House and the Senate would do what Trump is seeking.

Sens. Bernie Sanders, I-Vt., and Josh Hawley, R-Mo., released a plan in February that would immediately cap interest rates at 10% for five years, hoping to use Trump’s campaign promise to build momentum for their measure.

Hours before Trump's post, Sanders said that the president, rather than working to cap interest rates, had taken steps to deregulate big banks that allowed them to charge much higher credit card fees.

Reps. Alexandria Ocasio-Cortez, D-N.Y., and Anna Paulina Luna, R-Fla., have proposed similar legislation. Ocasio-Cortez is a frequent political target of Trump, while Luna is a close ally of the president.

Seung Min Kim reported from West Palm Beach, Fla.

President Donald Trump arrives on Air Force One at Palm Beach International Airport, Friday, Jan. 9, 2025, in West Palm Beach, Fla. (AP Photo/Julia Demaree Nikhinson)

FILE - Visa and Mastercard credit cards are shown in Buffalo Grove, Ill., Feb. 8, 2024. (AP Photo/Nam Y. Huh, File)