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Fed keeps interest rates unchanged


January 29, 2026 / By ICBA

The Federal Open Market Committee voted to maintain target interest rates at 3.50% to 3.75% following three consecutive 25-basis-point cuts.

Statement: The FOMC said:

  • Economic activity has been expanding at a solid pace.

  • Job gains have remained low, and the unemployment rate has shown some signs of stabilization.

  • Inflation remains somewhat elevated.

Dissenting Votes: Voting against the action were Stephen Miran and Christopher Waller, who preferred to lower the target range for the federal funds rate by 25 basis points.

More: The FOMC also unanimously reaffirmed its Statement on Longer-Run Goals and Monetary Policy Strategy, often known as the consensus statement, which articulates its approach to monetary policy.

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