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Why Fed Rate Cuts Aren’t Helping Most Americans

Posted

October 28, 2025

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The Federal Reserve has signaled that it may reduce the federal funds rate through 2026. As a result, U.S. households could soon see cheaper financing terms for cars, homes, student loans and more. These decisions can also lead to faster asset price increases. Economists say that past Fed decisions continue to disadvantage households that hold their wealth in cash or bonds.

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Produced and Edited by: Carlos Waters

Additional Editing by: Andrea Miller

Senior Director of Video: Lindsey Jacobson

Graphics: Jason Reginato, Mallory Brangan

Additional Footage: Getty Images, Greater Providence Chamber of Commerce, National Association of Business Economists

Additional Sources: American Investment Council, Bank for International Settlement, Bankrate, BlackRock, Boge, Wybenga & Bradley, Congress, Federal Reserve Bank of Atlanta, Nasdaq, National Association of Realtors, Peter G. Peterson Foundation, University of Chicago, U.S. Bureau of Economic Analysis, U.S. Bureau of Labor Statistics, U.S. Census Bureau, U.S. Department of Housing and Development, U.S. Treasury Department, Vanguard

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Why Fed Rate Cuts Aren’t Helping Most Americans

Guests & Subjects Covered

The Federal ReserveChapters Introduction ChapterForecasts ChapterCarlos Waters Additional EditingAndrea Miller Senior DirectorCommerce National AssociationAtlanta Nasdaq National AssociationChicago US Bureau

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