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St. Louis Fed's Bullard Discusses Recent U.S. Monetary Policy and
Economic Outlook for 2013
1/10/2013
MADISON, Wis. – Federal Reserve Bank of St. Louis President James Bullard gave
remarks Thursday on “The Fed’s New Regime and the 2013 Outlook,” during an
economic forecast luncheon sponsored by the Wisconsin Bankers Association.
During his presentation, Bullard discussed recent changes to U.S. monetary policy. He
noted that the policy rate has been near zero since December 2008 and that the Federal
Open Market Committee (FOMC) has promised to maintain the near-zero rate into the
future, so-called “forward guidance.” In December 2012, the FOMC replaced the xeddate forward guidance with a “threshold” approach. Bullard discussed the differences
between the recently adopted threshold approach and the FOMC’s previous xed-date
approach. Regarding the Fed’s balance sheet policy, he noted that “the Committee has
promised to maintain an aggressive asset purchase program.” On the whole, he said
that he views “the overall monetary policy stance as more accommodative today than it
was six months ago.”
Bullard also shared his views on the outlook for the U.S. macroeconomy. “I have
argued that the U.S. potential growth rate is lower today than it has been in the recent
past, about 2.3 percent,” he said. Bullard’s forecast is that “real GDP growth will be
faster than potential, at around 3.2 percent in both 2013 and 2014.” He attributed this
faster growth to three main factors: easier monetary policy, reduced headwinds and
reduced uncertainty. He added that he believed “unemployment will fall and in ation
will remain near target.”
Thresholds and the Policy Rate
Before December, the FOMC stated that the policy rate would likely remain near zero
until mid-2015. “This created a ‘pessimism problem’ for the Committee,” Bullard said.
He explained that “the date could be interpreted as a statement that the U.S. economy
is likely to perform poorly until that time,” which he has called an “unwarranted
pessimistic signal.” However, he noted, “The Committee did not intend to send such a
signal.”
Rather than using a given date, Bullard stated that the FOMC has now changed its
forward guidance to a description of economic conditions at the time of the rst rate
increase. Such a dependency on economic conditions is known as “state-contingent”
policy.
“In December the Committee instead adopted ‘thresholds,’ values for in ation (2.5
percent) and unemployment (6.5 percent) that give an indication that the time for a

policy rate increase may have arrived,” he explained. “Now, as data arrive on U.S.
economic performance, private sector expectations concerning the timing of the rst
rate increase can automatically adjust,” Bullard said. “The Committee is no longer
sending the pessimistic signal, because the threshold conditions can be met at any
time.”
While the thresholds xed the pessimism problem, they still have some challenging
aspects. “The use of thresholds is not a panacea,” Bullard cautioned. He discussed
several issues that the FOMC is likely to face going forward with this strategy. For
instance, he said, “The FOMC cannot pretend to target medium- or long-term
unemployment.” In addition, “The Committee needs to reiterate that it considers many
more variables in attempting to gauge the state of the U.S. economy.” Finally, he said
that “the thresholds will likely be viewed as triggers for action.”
Balance Sheet Policy
Turning to balance sheet policy, Bullard discussed “QE3,” which the FOMC adopted at
its September 2012 meeting and extended in December, replacing “Operation Twist”
with outright purchases. Unlike the FOMC’s previous asset purchase programs, no end
date was speci ed; this is so-called “open-ended” QE, he stated. The current approach
is to purchase $40 billion in mortgage-backed securities and $45 billion in Treasury
securities per month, which Bullard noted would be an annualized pace of more than $1
trillion.
The previous asset purchase programs had an “end-date problem,” Bullard said,
explaining that “these end dates tended to occur at times which were characterized by
relatively poor economic data.” As examples, he cited March 2010, when the European
sovereign debt crisis was heating up, and July 2011, when the U.S. debt ceiling debate
was occurring. “With QE3, the Committee instead seeks ‘substantial improvement’ in
labor markets before pausing purchases,” he stated. “The Committee may also taper
the program as needed.”
Unlike the interest rate policy, the forward guidance on the balance sheet policy does
not include thresholds. “The Committee has maintained a qualitative approach to the
state-contingent aspect of balance sheet policy,” Bullard said, adding that “attempts to
also put thresholds on the timing of asset purchases may be a bridge too far.” Thus,
“The FOMC will have to make a judgment concerning the program as macroeconomic
data arrive,” he stated. “Private sector expectations concerning the program will also
adjust appropriately as data arrive,” he added.
In explaining why he views monetary policy as more accommodative today, Bullard
cited several reasons on the balance sheet side: the FOMC undertook QE3; the QE3
program is open-ended and state-contingent, making it more effective; and the FOMC
replaced the twist program with outright purchases. On the interest rate side, Bullard
cited the revised policy rate guidance, which helped to alleviate the pessimism problem.
The U.S. Macroeconomic Outlook
According to Bullard’s economic forecasts, real GDP growth will be around 3.2 percent
in 2013 and 2014, and in ation (as measured by the percent change in the personal
consumption expenditures price index from a year ago) will remain near the FOMC’s
target of 2 percent during that period. On unemployment, Bullard noted that it has
improved over the past three years despite sluggish GDP growth. “I project a
continuing downward trend in unemployment,” he said. “I do not think unemployment
has yet fallen enough to entice those that have left the labor market to re-enter,” he
added.
Bullard also discussed the reduced headwinds and reduced uncertainty in the U.S.
“The U.S. housing market has improved during 2012 and I expect this will continue in

2013,” he said. In addition, he noted that some aspects of the U.S. scal situation have
been addressed and that he expects more to come. Furthermore, “Growth in emerging
markets will likely improve in 2013 relative to 2012,” he said. Finally, the European
sovereign debt crisis has recently been less disruptive for global nancial markets,
Bullard stated. “Euro-area growth will probably not deteriorate the way it did in 2012.”
However, Bullard said that the European sovereign debt crisis remains a key issue.
“The announcement of the European Central Bank’s (ECB’s) ‘outright monetary
transactions’ program has so far been more successful than it might have been
anticipated,” he said, citing a decline in the spreads on Euro-area 10-year government
bonds and on 5-year sovereign credit default swaps since the announcement. Bullard
noted that the ECB so far has not been required to purchase national sovereign debt
under the program. “How the program will proceed during 2013 is di cult to predict,”
he stated.
Turning back to the U.S., “Overall, U.S. monetary policy looks more accommodative
today compared to six months ago,” Bullard said. “This may combine with reduced
headwinds and reduced uncertainty in the U.S. to produce a better growth environment
during 2013,” he said, noting that in the past couple years, this type of forecast proved
overly optimistic. “However, I still think it is the right way to view the situation given the
information available today,” he concluded.

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