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The Monetary-Fiscal Policy Mix
and Central Bank Strategy
James Bullard
President and CEO
Toward a Monetary Policy Strategy
Hoover Institution at Stanford University
May 12, 2023
Stanford, Calif.
Any opinions expressed here are my own and do not necessarily reflect those of the Federal Open Market Committee.

1

Introduction

2

This talk
• The pandemic fiscal-monetary response created too much inflation.
• To eliminate the excess inflation, the fiscal-monetary response must be
•
•
•

countered. This is happening.
The fiscal stimulus is receding.
Monetary policy has been adjusted rapidly in the last year to better align
with traditional central bank strategy.
Accordingly, the prospects for continued disinflation are good but not
guaranteed.

3

The Monetary-Fiscal Response

4

Inflation as the result of war
• Think of the pandemic as a global war that induced large-scale deficit
•
•

spending combined with accommodative monetary policy.†
The spirit of the macroeconomic policy response to the pandemic was
to err on the side of too much rather than too little.
This could be thought of as risking a high-inflation regime, as the
monetary authority did not attempt to offset the inflationary impulse
unleashed by the fiscal authority.

†

See J. Bullard, “Credible and Incredible Disinflations,” Feb. 24, 2023, remarks delivered at The Credibility of
Government Policies: Conference in Honor of Guillermo Calvo, Panel Discussion: Back to 2% Inflation? Columbia
University, New York, N.Y.; and G.J. Hall and T.J. Sargent, “Financing Big US Federal Expenditures Surges: COVID-19
and Earlier US Wars,” unpublished manuscript, June 12, 2022.
5

Fiscal and monetary responses to the pandemic
• The deficit spending was used for transfer payments to disrupted
•
•
•

workers and businesses, which shows up as a sharp increase in
personal saving relative to trend.
Fiscal action of this magnitude is unprecedented in U.S. postwar
macroeconomics.†
Meanwhile, the monetary policy reaction to the pandemic was to lower
the policy rate sharply, accommodating the deficit spending.
In macroeconomic historical context, this combination of policies often
leads to substantial inflation.

†

See H. Abdelrahman and L.E. Oliveira, “The Rise and Fall of Pandemic Excess Savings,” Federal Reserve Bank of San
Francisco Economic Letter 2023-11, May 8, 2023.
6

The monetary-fiscal response …

Sources: Bureau of Economic Analysis, Federal Reserve Bank of New York and author’s calculations. Last observations:
March 2023 and May 2023.
7

… led to substantial inflation
Measure of underlying inflation

April 2022

March/April 2023

Core CPI

6.1

5.5

Cleveland Fed Median CPI

5.4

7.0

Cleveland Fed Trimmed-Mean CPI

6.2

6.1

Atlanta Fed Sticky CPI

4.9

6.5

Core PCE

5.0

4.6

Market-Based Core PCE

4.9

4.7

Dallas Fed Trimmed-Mean PCE

3.9

4.7

San Francisco Fed Cyclical Core PCE

6.3

7.9

Cyclically Sensitive Inflation

5.5

6.7

Source: Federal Reserve Bank of Atlanta Underlying Inflation Dashboard. Last observations: April 2023 (CPI-based
measures) and March 2023 (PCE-based measures). Figures are y-on-y percent changes.
8

The Switch to Disinflationary Policy

9

Switching back to the pre-pandemic regime
• According to the literature,† what is now required is a switch back to
•

the pre-pandemic monetary-fiscal regime that featured inflation near
target.
Is such a switch occurring?

†

See T.J. Sargent, “The Ends of Four Big Inflations,” Chapter 2 in Inflation: Causes and Effects, R.E. Hall, ed.,
University of Chicago Press, 1982.
10

The fiscal stimulus is fading
• The fiscal stimulus effects have been fading, and personal saving is now
•

below the pre-pandemic trend line.
However, the area above the trend line in the chart on the next slide is
still more than $400 billion larger than the area below the trend line.

11

Excess savings are diminishing

Sources: Bureau of Economic Analysis and author’s calculations. Last observation: March 2023. See Abdelrahman and
Oliveira (2023) for details.
12

Sufficiently Restrictive Monetary Policy

13

Sufficiently restrictive
• A Taylor-type monetary policy rule with generous assumptions will
•
•
•

give us a minimal recommended value for the policy rate given current
macroeconomic conditions.†
Less generous assumptions will give us an upper bound for a desirable
target range for the policy rate.
The recommended “zone” is the area between the lower and upper
bounds.
I will ignore balance sheet policy in these calculations.

†

See J.B. Taylor, “Discretion versus Policy Rules in Practice,” Carnegie-Rochester Conference Series on Public Policy,
December 1993, 39, pp. 195-214; and J.B. Taylor, “A Historical Analysis of Monetary Policy Rules,” in Monetary Policy
Rules, J.B. Taylor, ed., University of Chicago Press, 1999, pp. 319-41.
.

14

Why do we like Taylor-type rules?
• Monetary policy rules are useful because they provide an explicit
•
•
•

recommendation for the value of the policy rate given current
macroeconomic conditions.
Taylor-type rules have been evaluated in a large literature and have
been argued to characterize close-to-optimal monetary policy in
commonly used macroeconomic models.
The literature takes “long and variable lag” effects into account.
Policy rules help pin down different arguments that are made about the
appropriate level of interest rates.

15

A Taylor-type rule specification
• I will consider
•

•

𝑅𝑅𝑡𝑡 = max[𝑅𝑅∗ + 𝜋𝜋 ∗ + φ𝜋𝜋 𝜋𝜋𝑡𝑡 − 𝜋𝜋 ∗ + min 𝑦𝑦𝑦𝑦𝑦𝑦𝑦𝑦𝑡𝑡 , 0 , 0]

𝑅𝑅𝑡𝑡 is the recommended policy rate; 𝑅𝑅 ∗ is the real interest rate; 𝜋𝜋 ∗ = 2%
denotes the inflation target; 𝜋𝜋𝑡𝑡 is inflation measured from one year earlier;
φ𝜋𝜋 describes the reaction of the policymaker to deviations of inflation

from target; and 𝑦𝑦𝑦𝑦𝑦𝑦𝑦𝑦𝑡𝑡 is the output gap.

The term min(ygap,0) is meant to capture that the FOMC’s “policy
decisions must be informed by assessments of the shortfalls of
employment from its maximum level…”.*

* See the FOMC’s “Statement on Longer-Run Goals and Monetary Policy Strategy,” adopted effective Jan. 24, 2012; as
reaffirmed effective Jan. 31, 2023.
16

A generous rule
• In the first version of the Taylor-type rule outlined above, I use the
most generous assumptions (those that tend to recommend a lower
value of the policy rate):
1.

Measure the inflation gap using the Dallas Fed trimmed-mean PCE
inflation rate.

2.

Use an approximate pre-pandemic value for the real interest rate (𝑅𝑅 ∗ ) of
–50 basis points.

3.

Use the relatively low value of 1.25 for the parameter describing the
reaction of the policymaker to deviations of inflation from target.

17

A less generous rule
• For a less generous specification, I will use:
1.

Core (excluding food and energy) PCE inflation as the inflation
measure.

2.

A higher value for the real interest rate (𝑅𝑅 ∗ ) of +50 basis points.*

3.

A parameter value describing the reaction of the policymaker to
deviations of inflation from target closer to the literature standard, 1.5.†

* According to the March 2023 Summary of Economic Projections (SEP), the median longer-run value for PCE inflation
is 2.0%, while the median longer-run value for the federal funds rate is 2.5%. This implies a longer-run value of the real
rate of 50 basis points.
† See Taylor (1993, 1999).
18

Sufficiently restrictive?
• The chart on the next slide suggests
o Monetary policy settings were about right pre-pandemic.
o Monetary policy was behind the curve (i.e., the actual policy rate was below

the zone) in 2022.
o Monetary policy is now at the low end of what is arguably sufficiently

restrictive given current macroeconomic conditions.
o The zone itself can move in reaction to incoming data.

19

The sufficiently restrictive zone

Sources: Bureau of Economic Analysis, Bureau of Labor Statistics, Federal Reserve Bank of Dallas, Federal Reserve
Bank of New York, FOMC’s March 2023 SEP and author’s calculations. Last observations: March 2023 and May 2023.
20

Policy inertia
• The policy rate was adjusted only partially toward the recommended
•

•

policy rate during 2022, a phenomenon referred to as “policy inertia” in
the literature.
In my view, inertia involves a judgment by the FOMC concerning the
pace of adjustment and its possible risks, weighed against the gains from
returning the economy as quickly as possible to the balanced growth
path with 2% inflation.
Inertia has not been included in the calculations here, as the desire has
been to locate a recommended level of the policy rate independently of
the judgment call on policy inertia.
21

The Prospects for Disinflation

22

Prospects for disinflation
• So far, core PCE inflation has declined only modestly from the peak
•
•
•

levels observed last year.
However, an encouraging sign that the switch to pre-pandemic fiscalmonetary policy is working comes from market-based inflation
expectations.
These expectations were near 2% in the first quarter of 2021, before any
inflation had appeared or was widely expected.
After moving higher in the last two years, these expectations have now
returned to levels consistent with 2% inflation.

23

Prospects for disinflation

Sources: Bloomberg and author’s calculations. Last observation: May 11, 2023.
24

Conclusion

25

Conclusion
• The pandemic fiscal-monetary response created too much inflation—
•
•
•

historically speaking, this sort of combination has caused many
inflationary episodes across countries.
To eliminate the excess inflation, the monetary and fiscal policy have to
return to their pre-pandemic regime.
This is happening: The fiscal stimulus is receding, and monetary policy
has been adjusted rapidly in the last year to better align with traditional
central bank strategy.
Accordingly, the prospects for continued disinflation are good but not
guaranteed.
26

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