23 December 2025

Fed Changes Benchmark For Raising Interest Rates

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The Federal Reserve announced Wednesday that it will cut back on the bond buying program by another $10 billion starting in April, but it also announced it is changing its requirements for raising interest rates.

The economy is still being supported through near-zero interest rates, which have been in place since 2008. The Fed moved away from its previous benchmark of 6.5% unemployment for raising interest rates and instead will take a broader view of the job market into consideration.  

"When the Committee decides to begin to remove policy accommodation, it will take a balanced approach consistent with its longer-run goals of maximum employment and inflation of 2 percent," read the Fed’s statement.

The unemployment rate stood at 6.7% in February. And according to its latest economic forecasts released Wednesday, the Fed now believes the unemployment rate could fall as low as 6.1% this year.

The Fed has now decided to take a broad view of the economy and job market in determining interest rate policy. "This assessment will take into account a wide range of information, including measures of labor market conditions, indicators of inflation pressures and inflation expectations, and readings on financial developments," Fed officials wrote in the statement.

Speaking to reporters after the meeting, Federal Reserve Chair Janet Yellen said the job market has improved more than many had anticipated, though she stressed that it's still weak and offered a list of various labor market measures that the Fed would be looking at.

Yellen said repeatedly that the change in guidance does not signal any immediate shift in the Fed's current policy intentions. She said rates would likely remain low for a "considerable period" after the Fed's bond-buying program ends.

The Fed has been buying bonds -- mainly long-term Treasuries and mortgage-backed securities -- since September 2012 in an attempt to stimulate the economy. The amount of bond purchases has been cut back this year and will likely continue to taper purchases by $10 billion a month if the economy continues to show signs of life.

While the job market had been in a rut over the winter, economists have speculated that the slump was a temporary result of extreme weather, and indicators would recover in spring.

In its statement, the Fed said economic activity slowed during the winter months, "in part reflecting adverse weather conditions."

Yellen said bad weather contributed to a spate of weak economic data over the first few months of the year. But she said most Fed officials expect the drag from cold weather will "begin to wash out in second quarter."

Click here for the original article from CNNMoney.

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