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Fed Cuts Rates and Sets December 1 End to QT as Focus Shifts to Liquidity

The balance-sheet stop date points to a focus on maintaining ample reserves to stabilize liquidity.

Overview

  • The FOMC lowered the policy rate by 25 basis points to 4% and confirmed quantitative tightening will halt on December 1 after two years of balance-sheet runoff.
  • Jerome Powell said policy is "sufficiently restrictive" and emphasized readiness to adjust balance-sheet tools to keep reserves ample, describing the shift as risk management rather than the start of a full easing cycle.
  • With the overnight reverse repo facility near $14 billion, additional QT would drain bank reserves directly, elevating the impact of balance-sheet policy on real yields and the dollar.
  • The Fed’s balance sheet is about $6.6 trillion and reserves roughly $3 trillion, and the decision drew two dissents—Jeffrey Schmid favored no cut and Stephen Miran argued for a 50-basis-point cut.
  • Crypto watchers link the liquidity turn to risk appetite, with about $446 million in net inflows to US spot Bitcoin ETFs reported in the week before the meeting, though some crypto media are promoting specific tokens alongside this narrative.