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St. Louis Fed's Bullard Discusses Falling In ation Expectations and
Monetary Policy Normalization
2/24/2016
NEW YORK – Federal Reserve Bank of St. Louis President James Bullard discussed
“More on the Changing Imperatives for U.S. Monetary Policy Normalization” in a
presentation Wednesday to the Money Marketeers of New York University.
Bullard said that two pillars of the Federal Open Market Committee’s (FOMC) 2015 case
for monetary policy normalization have changed in 2016. In particular, he noted that
market-based in ation expectations have fallen further and that the risk of asset price
bubbles over the medium term appears to have diminished. “These data-dependent

For media inquiries contact:
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James Bullard
St. Louis Fed President and CEO

changes likely give the FOMC more leeway in its normalization program,” he said.
He discussed whether in ation expectations have fallen too far for comfort and raised
concerns about central bank credibility with respect to the in ation target. He cited the
example of the euro area, where 10-year government bond yields have fallen to the
levels of Japan and Switzerland, “arguably because the credibility of the in ation target
has eroded,” he said.
Bullard also reiterated the need for monetary policy to be more clearly data dependent
and whether the FOMC should rethink its approach to the Summary of Economic
Projections (SEP). “The Committee may wish to consider changes to the way it
approaches the policy rate projections in the SEP to better align market expectations of
future policy moves,” he said.
Declining In ation Expectations
Bullard noted that modern theory suggests in ation expectations are a more important
determinant of actual in ation than traditional “Phillips curve” effects, and that marketbased measures of in ation expectations have been declining in the U.S. since the
summer of 2014. “The decline has been highly correlated with the decline in oil prices,”
he said.
While he had suggested in 2015 that in ation expectations would rise back toward July
2014 levels once oil prices stabilized, Bullard noted that oil prices did not stabilize and
instead fell further beginning in November 2015. “Since then, market-based measures
of in ation expectations have declined too far for comfort, the oil price correlation
notwithstanding,” he said.
Turning to the FOMC’s normalization strategy being predicated on an environment of
stable in ation expectations, Bullard said this renewed downward pressure on marketbased measures of in ation expectations during 2016 has called this assumption into

James Bullard is president and
chief executive o cer of the
Federal Reserve Bank of St.
Louis. In these roles, he
participates in the Federal Open
Market Committee (FOMC) and
directs the activities of the
Federal Reserve’s Eighth
District.
President's Website
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Research Papers

question. “I regard it as unwise to continue a normalization strategy in an environment
of declining market-based in ation expectations,” he said. “A decline in in ation
expectations represents an erosion of central bank credibility with respect to the
in ation target.”
He addressed the argument sometimes made that the components of TIPS-based
measures of in ation compensation other than in ation expectations (i.e., risk premia
and liquidity premia) are rather large and volatile. “My preferred interpretation is that
risk and liquidity premia associated with in ation compensation are relatively small
with low volatility,” he explained. “Hence, I interpret declines in TIPS spreads as
re ecting mostly declines in in ation expectations.”
The Eurozone Experience
Bullard discussed the potential outcome of a scenario in which market-based
measures of in ation expectations continue to decline. He said the euro area arguably
reacted too slowly to this type of development before it ultimately committed to a
major quantitative easing program in January 2015. “The result has been
uncomfortably low in ation in the euro area, which is now not projected to rise to target
for some time,” he said.
He examined a chart of 10-year government bond yields since 2012 for Japan,
Switzerland, Germany, the U.K. and the U.S., with the chart showing the 10-year bond
yield for Germany dropping to nearly the same level as yields for Japan and
Switzerland. Bullard explained that all of these countries have similar in ation goals
and, arguably, expected real rates of return on bonds of the same maturity. “What is
different is that longer-term in ation credibility may differ across countries,” he said,
noting that Germany seems to have moved from the relatively credible group to the less
credible group since January 2012.
Asset Price Bubbles
Bullard then discussed how the risk of asset price bubbles over the medium term has
been reduced. “Steps toward normalization of U.S. monetary policy help to lessen the
risk that very low interest rates might feed into a third major asset price bubble in the
U.S.,” Bullard said, adding, “The recent sell-off in global equity markets, along with
increases in risk spreads in corporate bond markets, may have made this risk less of a
concern over the medium term.”
The FOMC and Data Dependence
Bullard noted that the FOMC has repeatedly stated in o cial communication and public
commentary that future monetary policy adjustments are data dependent. He
addressed the possibility that the nancial markets may not believe this since the SEP
may be unintentionally communicating a version of the 2004-2006 normalization cycle,
which appeared to be mechanical.
“Post liftoff, communicating a path for the policy rate via the median of the SEP could
be viewed as an inadvertent calendar-based commitment to increase rates,” he said.
“While the Committee has certainly stressed data dependence, its past behavior belies
that emphasis and therefore may not carry as much weight as it should with the
nancial markets.”
Bullard said that a possible change to the SEP is an important issue for the FOMC to
consider. “The FOMC could change its approach to the SEP in a way that would cease
giving such explicit guidance on the likely path of the policy rate going forward,” he said.
“Such a change might help better align the Committee with nancial markets on the
idea that policy is data dependent and does not follow a predetermined path.”

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