The Fed Has Been Raising & Lowering Rates For Years – Fed Funds Rate History
The Federal Reserve attempts to address inflation and the employment market via increasing and decreasing short term rates via the Fed Funds, yet long term...
Category: Debt/Mortgage/Liabilities
Rates On Track To Continue Heading Lower – Fixed Income Overview
Interest rates on certain consumer loans including mortgages and auto loans began to gravitate lower in August in anticipation of the Fed’s objective to begin...
Total U.S. Debt as % of GDP Projected to Surpass 100% By 2025 – Fiscal Policy
Federal debt held by the public as a percentage of GDP is projected to exceed 100% in the next year or two. The Congressional Budget...
China Dumps Record Amount of U.S. Government Debt – Federal Deficit Overview
In the first quarter of 2024, China sold a record amount of $53.3 billion worth of U.S. Treasury and agency bonds. The significant liquidations represent...
Banks Get A Stress Test & Pass – Banking Sector Review
The Federal Reserve reported in June that results of its annual bank stress test showed the largest U.S. banks and lenders have sufficient capital to...
Delinquency Rates Increasing Among Consumer Loans – Consumer Debt
Consumer loan balances are increasing due to a combination of factors, including rising interest rates, inflation, and changes in consumer behavior. As the Federal Reserve...
Why Homeowners Insurance Costs Have Risen – Property Insurance Update
Homeowners nationwide are grappling with surging insurance costs and worse, coverage cancelations. Insurance companies are becoming much more defensive as claims for property damage have...
Consumer Loans Are Falling – Consumer Finance Behavior
Outstanding loans among consumers have been falling since October 2022, reflecting a drop from auto loans to credit card balances. Such data can be viewed...
New Mortgage Rules To Accommodate Lower Credit Scores
New mortgage rules are attempting to make homes more accessible to homebuyers with low credit scores by lowering the fees for low-credit buyers while, in...
Housing Market Is Among The Least Affordable In U.S. History
Measured by the Housing Affordability Index, the affordability of homes has been steadily eroding since early 2021. Factors affecting affordability include home prices, mortgage rates,...