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St. Louis Fed's Bullard Discusses Low Real Interest Rates and New
Policies in Washington
12/5/2016
PHOENIX – Federal Reserve Bank of St. Louis President James Bullard discussed “The
Low Real Interest Rate Regime Post-Election: Is There a Switch?” on Monday at Arizona
State University’s annual economic forecast luncheon.
In his presentation, Bullard discussed how the current state of the U.S. economy and
monetary policy might be viewed in terms of a “low-safe-real-interest-rate regime” and
whether the proposed policies of the incoming White House administration could
impact this regime.

For media inquiries contact:
Laura Girresch
mediainquiries@stls.frb.org
O ce: (314) 444-6166
Cell: (314) 348-3639

James Bullard
St. Louis Fed President and CEO

“Bottom line: Whether the new policies being developed in Washington represent a
‘regime shift’ depends on whether these policies will impact productivity,” he said.

Low-Real-Interest-Rate Regime
The St. Louis Fed recently changed to a regime-based approach to near-term
projections of the U.S. macroeconomy and monetary policy. Under this approach, the
macroeconomy could visit a set of possible regimes, and monetary policy is regimedependent.
Bullard described two real interest rate regimes, noting that a high-real-interest-rate
regime prevailed in the 1980s and 1990s, but a low-real-interest-rate regime prevails
today. He explained that the real returns on safe, short-term assets, such as short-term
government debt, are exceptionally low and are unlikely to return to their historical
levels over the next two to three years.
Bullard noted that the St. Louis Fed’s recommended policy rate (i.e., the federal funds
rate target) depends mostly on the safe real rate of return.
“With in ation and unemployment close to longer-run levels, a standard
recommendation is to set the policy rate equal to the real interest rate plus the in ation
target,” he said.
“Because we are in the low-real-rate regime, the St. Louis Fed’s policy rate
recommendation comes out to a low number,” he explained.
The current policy rate setting is 38 basis points, or 0.38 percent. “I conclude that a
single 25-basis-point increase in the policy rate – from 38 to 63 basis points – will get
us very close to the standard recommended value over the forecast horizon,” Bullard
said. (The forecast horizon runs through 2019.)

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
Speeches & Presentations
Video Appearances
Media Interviews
Research Papers

The Impact of New Policies Brewing in Washington
In discussing whether President-elect Donald Trump’s new policies being developed
could impact the current low-safe-real-rate regime, Bullard said that if they are properly
executed, the new set of policies may have some effect. In particular, he focused on
their potential impact on productivity growth.
Bullard explained that low productivity growth is one of several factors that may be
putting downward pressure on safe real rates of return. “U.S. productivity growth is low
and could conceivably be improved considerably. This could help to increase the real
rate,” he said.
Of the new policies being developed in Washington, Bullard said deregulation,
infrastructure spending and tax reform could have some impact on the low-safe-realrate regime over the next several years, but any impact from immigration and trade
policy reforms will likely take longer.
He then discussed the potential impact of the rst three policies:
Regarding deregulation, he said to the extent that some areas of regulation are
excessive, deregulation could improve productivity.
Regarding infrastructure, he said spending directed to the right public capital
could improve productivity.
Regarding tax reform, he said changes that encourage investment in the U.S.
could improve productivity.
He concluded, “New policies brewing in Washington may have some impact on the lowsafe-real-rate regime if they are directed toward improving medium-term U.S.
productivity growth.”

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