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St. Louis Fed's Bullard Discusses Zero Interest Rate Policy
12/4/2015
PHILADELPHIA – Federal Reserve Bank of St. Louis President James Bullard discussed
“Permazero as a Possible Medium-term Outcome for the U.S. and the G-7,” at the
Philadelphia Fed Policy Forum on Friday.
During his presentation, Bullard said that he continues to be an advocate for the Federal
Open Market Committee (FOMC) to begin monetary policy normalization. “My
argument has been that the FOMC’s goals have been met, while the FOMC’s policy
settings remain extreme,” he said. Regarding the goals, he noted that labor markets are
close to normal and that in ation net of the oil price shock is reasonably close to the
Fed’s 2 percent target. In contrast, the policy rate remains 3.25 percentage points below
the FOMC’s long-run level, and the Fed’s balance sheet remains more than $3.5 trillion
larger than its pre-crisis level.
“Prudent policy suggests edging the policy rate and the balance sheet toward more
normal levels,” Bullard said.
However, given the theme of the conference, “The New Normal for the U.S. Economy,”
Bullard discussed some issues that may be important for the U.S. and the G-7 over the
medium term. In particular, he examined the possibility of remaining at zero or nearzero policy rates over the medium term.
Permazero
Implicit in his argument to begin normalization, Bullard noted, is a desire to return to the
1984-2007 macroeconomic equilibrium. This period was characterized by relatively
long economic expansions, relatively shallow recessions and relatively good monetary
policy that was well understood by policymakers and nancial markets.
“That equilibrium was associated with a higher nominal interest rate structure than we
have today,” Bullard added. “However, what if we cannot return to such a situation?”
He proceeded to examine the implications of this question, particularly given the nearzero policy rate that has been in place in the U.S. for the past several years and the
medium-term outlook for low short-term nominal interest rates in the G-7 countries
even as the U.S. contemplates liftoff. Furthermore, Bullard noted that negative shocks
to the economy are always possible, which have the potential to push short-term
nominal interest rates back to the zero lower bound.
“Zero interest rate policy (ZIRP) has usually been viewed as temporary and as part of a
policy reaction to a very large macroeconomic shock. But ZIRP has been in place for
seven years, far beyond ordinary business cycle time,” he said, adding, “Arguably, this is

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James Bullard
St. Louis Fed President and CEO

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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an interest rate peg—a constant value of the policy rate independent of changes in
macroeconomic conditions.”
Bullard pointed out that many economists believe an interest rate peg is poor monetary
policy, since trying to keep the short-term nominal interest rate unnaturally low could
lead to instability in the form of very high in ation. “Yet today we have had ZIRP for
seven years, and in ation remains below target,” he noted.
To this end, he then explored the implications of neo-Fisherian ideas that include the
core idea that an interest rate peg, in some circumstances, can be stable. In this
context, “ZIRP, far from being a harbinger of runaway in ation, would instead dictate
medium- and long-term in ation outcomes,” he said. (For additional discussion, see
Bullard’s speech on Nov. 12, 2015, “Permazero.”)
Bullard noted that the policy implications of the neo-Fisherian ideas are profound. “The
continuing G-7 ZIRP, far from putting dangerous upward pressure on in ation, may be
leading us to an outcome with low nominal interest rates and low in ation that can last
for a very long time,” he said. “This contrasts sharply with conventional wisdom and
central bank rhetoric, including my own, which emphasizes that the ZIRP is putting
upward pressure on in ation and offers the best hope for returning in ation to target.”
In conclusion, consistent with the theme of the conference, Bullard focused on issues
that may be important for the medium- and long-term monetary policy outlook. “NeoFisherian ideas may have an important impact on our thinking about monetary policy in
the future,” he said.
Nonetheless, Bullard reiterated, “My current policy position remains in favor of
beginning policy normalization in the U.S.”

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