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Jobs Report Pushes Out Fed Cut Odds, Forcing a 2026 Rethink

A White House-directed $200 billion MBS purchase has already eased mortgage rates.

Overview

  • Friday’s data showed softer payroll growth with unemployment near 4.4%, curbing the likelihood of a January rate cut.
  • Barclays and Morgan Stanley pushed expected cuts to midyear, JPMorgan now projects no cuts in 2026 with a hike in 2027, and Bank of America expects no further moves under Powell.
  • Bond managers kept leaning into curve steepeners, with the 2s–10s spread recently at a multi‑month high before retracing as traders watch CPI and sizable Treasury auctions.
  • Justice Department subpoenas concerning the Fed prompted Powell to warn about threats to central bank independence, with a Supreme Court hearing on a Fed governor’s job set for January 21.
  • Fannie Mae and Freddie Mac were directed to buy $200 billion in mortgage bonds, tightening MBS spreads and pulling 30‑year mortgage rates toward roughly 6% for many borrowers.