The WSJ reports that private credit is increasingly extending loans to U.S. consumers, complicating traditional measures of consumer credit health. As alternative lending, BNPL arrangements and privately funded lending expands, investors’ ability to assess consumer debt risk...
Read MoreOn December 10, the Federal Reserve lowered its federal funds rate rate by a quarter percentage point, to a range between 3.5% - 3.75% - its third cut this year. For the first time since...
Read MoreProspective U.S. car-buyers are shying away from higher prices in the auto industry – as average new car prices approach $50,000. Auto sales are slowing, and consumers are shifting towards more affordable models. 2025 was...
Read MoreThe U.S. office vacancy rate is sitting at a record high of 14.1% and can be attributed to a move to remote and hybrid work, according to the WSJ. Office-backed CMBS delinquencies have increased to 11.8%,...
Read MoreOn November 18, the Trump administration announced a plan to continue dismantling the U.S. Department of Education (DOE). Previous responsibilities of the U.S. DOE will be divvied up among other existing U.S. federal agencies, including...
Read MoreThe Wall Street Journal reports a recent split within the central bank as to future monetary policy. The Federal Reserve cut rates .25 basis points in September and again in October, with the current range sitting between...
Read MoreA recent settlement would allow merchants to reject credit cards that charge them higher transaction fees – namely rewards credit cards. The legal battle stems from interchange fees – fees that merchants pay credit card...
Read MoreConsumers across the credit spectrum are struggling to make car payments. Delinquencies for subprime auto loan borrowers climbed to nearly 6.5 percent in January and remained elevated throughout 2025. Additionally, 2 percent of all auto loans were significantly...
Read MoreAfter a series of bankruptcies and fraud cases, regional banks have been writing off bad loans over the course of the last two weeks, which was followed by increased use of the Federal Reserve’s repo...
Read MoreThe Canadian government, in response to a weakening business environment and U.S. tariffs, wants to make changes to facilitate greater Canadian pension investments into Canadian markets. This follows the “Buy Canada” initiative meant to promote...
Read MorePulling from the National Association for Business Economics (NABE) quarterly surveys, Reuters reports that the U.S. economic outlook has improved slightly even under geopolitical pressures. Projected economic growth for 2025 increased from 1.3 percent to 1.8 percent; Year-end...
Read MoreIn a speech on October 14, Federal Reserve Chair Jerome Powell stated that employment and inflation expectations have not differed from September’s evaluations. While recent expectations have caused the Fed to increase its preferred inflation...
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