Federal Reserve Cuts Rates to 3.50%-3.75% Amid Rare Policy Division

The U.S. central bank reduced its federal funds rate target for a third time, while launching a $40 billion short-term Treasury purchase program.

Summary

The Federal Reserve lowered its target range for the federal funds rate by 25 basis points to 3.50%-3.75%, marking a third consecutive cut. Three members opposed the move, creating the largest division in the policymaking body in 37 years, and signaled a higher threshold for future rate cuts. The Fed also introduced a $40 billion short-term Treasury purchase program.

Terms & Concepts
  • Federal funds rate: The interest rate at which U.S. banks lend reserve balances to other banks overnight.
  • Basis point: A unit equal to 0.01%, commonly used to measure changes in interest rates or yields.
  • Treasury purchase program: A central bank initiative to buy U.S. Treasury securities to influence liquidity and interest rates.