{"id":33217,"date":"2026-10-28T16:20:00","date_gmt":"2026-10-28T23:20:00","guid":{"rendered":"https:\/\/movinghelpblog.uhaul.net\/?p=33217"},"modified":"2026-10-28T16:39:07","modified_gmt":"2026-10-28T23:39:07","slug":"federal-reserve-announcement-october-28-2026","status":"publish","type":"post","link":"https:\/\/www.movinghelp.com\/move\/federal-reserve-announcement-october-28-2026\/","title":{"rendered":"Federal Reserve: Fed Holds Rates at 3.75% to 4%"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The Federal Reserve announced earlier Wednesday it would keep interest rates steady at the 3.75 percent to 4 percent target range. The vote was 10-2 to leave interest rates alone, with Lisa D. Cook and Beth M. Hammack dissenting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">During his press conference, Federal Reserve Chair Kevin Warsh said \u201ceconomic activity is expanding at a strong pace\u201d but uncertainty remains with geopolitical developments. At the same time, spending has been resilient.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Additionally, job gains have kept pace, and the unemployment rate has changed little.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cBut, inflation remains elevated,\u201d he said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The committee believes the accumulation of more information will help give them the proper stance to return back to the 2 percent goal in a timely manner.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.movinghelp.com\/\">Moving Help\u00ae<\/a> will explain why the Federal Reserve came to this decision, and what it means for homebuyers who are looking to buy or sell a house in the near future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who Voted for and Against This Policy Rate?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Federal Open Market Committee\u2019s vote was 10-2, with 10 members voting for the monetary policy rate to remain unchanged and to leave the target range for the federal funds rate at 3.75 to 4.0 percentage points.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">The Federal Reserve will keep rates steady after the group\u2019s two-day meeting in a 10-2 vote.<br><br>Lisa D. Cook and Beth M. Hammack were the dissenters.<a href=\"https:\/\/x.com\/hashtag\/FederalReserve?src=hash&amp;ref_src=twsrc%5Etfw\">#FederalReserve<\/a> <a href=\"https:\/\/x.com\/hashtag\/FOMC?src=hash&amp;ref_src=twsrc%5Etfw\">#FOMC<\/a><\/p>&mdash; Keenan Betz (@surebetkeenan) <a href=\"https:\/\/x.com\/surebetkeenan\/status\/2115508328558403998?ref_src=twsrc%5Etfw\">October 28, 2026<\/a><\/blockquote><script async src=\"https:\/\/platform.x.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Only Cook and Hammack voted against this policy rate. Cook and Hammack voted for a 1\/4 percentage point increase at this meeting.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Voting Member Name<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>How Did They Vote?<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Kevin Warsh, chair<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">John C. Williams, vice chair<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Michael S. Barr<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Michelle W. Bowman<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Lisa D. Cook<\/td><td class=\"has-text-align-center\" data-align=\"center\">No<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Beth M. Hammack<\/td><td class=\"has-text-align-center\" data-align=\"center\">No<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Philip N. Jefferson<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Neel Kashkari<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Lorie K. Logan<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Anna Paulson<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Jerome H. Powell<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Christopher J. Waller<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why No Increase to Interest Rates?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The committee wants more information to help the committee determine the policy stance. Most committee members believe another rate increase will be needed when the December meeting arrives. Warsh was asked why not raise rates now.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cEnsuring price stability, quashing inflation is not about some fixed individual date on a calendar,\u201d he said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Warsh and the committee want to have clear objectives and a monetary policy strategy. They also want to get back to the 2 percent target goal for inflation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Does the Future Hold?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Federal Open Market Committee will hopefully receive information by the end of the year. During Warsh\u2019s first press conference, he created five task forces. He gave them a deadline at the end of the year to deliver a report along with how the Fed can make better decisions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">He has had periodic check-ins with them, but he hasn\u2019t seen anything close to a preview of a final report.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cSome, but not all of the groups will probably hit their deadline and turn their homework in on time,\u201d Warsh said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Warsh stressed the committee\u2019s commitment to bring inflation down to its 2 percent target and the committee\u2019s willingness to get there. He understands they haven\u2019t gotten there yet. Although, he never answered exactly why policymakers didn\u2019t act during this October meeting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cIf the crux of your question, is you haven\u2019t delivered yet. You haven\u2019t achieved price stability, you\u2019re right. But we\u2019re working on it,&#8221; Warsh said in response to a reporter\u2019s question.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Does This Mean for Home Mortgage Rates?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Because the Federal Reserve didn\u2019t increase or cut interest rates, housing mortgage rates should continue to see rates possibly increase and tighten. The Fed increased rates by 1\/4 percentage point back in <a href=\"https:\/\/www.movinghelp.com\/move\/federal-reserve-october-2026\/\">September\u2019s meeting<\/a> for the first time since 2023.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since that announcement, rates have steadily increased, but they have slightly dropped in recent weeks, according to <a href=\"https:\/\/www.freddiemac.com\/pmms\">Freddie Mac<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From Jan. 2, 2025, to Oct. 22, 2026, a 30-year mortgage rate has hovered anywhere between 5.98 percent to 7.40 percent, according to Freddie Mac. The rates have ranged from 6.95 percent to 7.40 percent since the last Fed meeting in September.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">During the same time frame, a 15-year mortgage rate has hovered between 5.35 percent to 6.73 percent, according to Freddie Mac. The rates have been closer from 6.26 percent to 6.73 percent since the last Fed meeting in September.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Both 15- and 30-year interest rates saw a trend of rates increasing since the beginning of May and continue to slightly climb higher in July.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Does This Mean for People Looking to Move?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Housing mortgage rates are still higher than they were pre-pandemic.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Housing mortgage rates for a 30-year loan and a 15-year loan are still lower than the peak 7.79 percent 30-year mortgage rate and 7.03 percent 15-year mortgage rate in late October 2023.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Despite all these recent policies and developments, it\u2019s still a buyer\u2019s market. In fact, \u201cThe U.S. is in the strongest buyer\u2019s market on record,\u201d according to <a href=\"https:\/\/www.redfin.com\/blog\/is-it-a-buyers-or-sellers-market\/\">Redfin<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile is-vertically-aligned-center\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"664\" src=\"https:\/\/www.movinghelp.com\/move\/wp-content\/uploads\/2026\/10\/Federal-Reserve-Oct2026-2.jpg\" alt=\"The Federal Reserve building can be seen on a mostly cloudy day.\" class=\"wp-image-33211 size-full\" srcset=\"https:\/\/www.movinghelp.com\/move\/wp-content\/uploads\/2026\/10\/Federal-Reserve-Oct2026-2.jpg 1024w, https:\/\/www.movinghelp.com\/move\/wp-content\/uploads\/2026\/10\/Federal-Reserve-Oct2026-2-980x635.jpg 980w, https:\/\/www.movinghelp.com\/move\/wp-content\/uploads\/2026\/10\/Federal-Reserve-Oct2026-2-480x311.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\">Other Federal Reserve News<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Warsh delivered some other news during his press conference. Here are some of the highlights that Moving Help gathered during his press conference.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How Many Times Will the Fed Meet in 2027?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Fed will continue to meet eight times next year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cWe believe eight meetings is the right number for the FOMC,\u201d Warsh said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The difference for 2027 is one of those eight meetings will primarily focus \u201cexclusively on broad monetary policy strategy.\u201d They won\u2019t vote on policy during that meeting.<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The difference for 2027 is one of those eight meetings will primarily focus \u201cexclusively on broad monetary policy strategy.\u201d They won\u2019t vote on policy during that meeting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then in 2028, the Fed will have two meetings dedicated toward broad monetary policy strategy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One risk on meeting one less time is it could make the Fed more vulnerable or less nimble to make decisions and act quickly during rapid economic changes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How Much Did the 2026 Midterms Influence Today\u2019s Policy Announcement?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Warsh had a pretty quick and simple response to this question.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cPolitics played no role in the decision.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">He went on to say that during the two-day meeting he didn\u2019t hear an utterance or a \u201creference to politics, elections, what\u2019s happening in the next week or so. I didn\u2019t hear anything about it.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Fed\u2019s independence is important, and it has been challenged in recent years about its ability to stay independent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cI don\u2019t believe it had any role in the decision, not just for me, but my colleagues around the room,\u201d Warsh said.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Would the Fed participate in a White House Hearing on Lisa D. Cook\u2019s Future?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The final question asked by the press was whether Warsh himself or the Fed itself would be involved in a hearing next week at the White House on Cook\u2019s future and the allegations that have been made against her.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Warsh\u2019s response was quick and simple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cNot to my knowledge,\u201d he said.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">When Is the Next Federal Reserve Meeting?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The next Federal Reserve meeting is scheduled for Dec. 8-9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You also can read previous recaps of the <a href=\"https:\/\/www.movinghelp.com\/move\/federal-reserve-january-2026\/\">January<\/a>, <a href=\"https:\/\/www.movinghelp.com\/move\/federal-reserve-march-2026\/\">March<\/a>, <a href=\"https:\/\/www.movinghelp.com\/move\/federal-reserve-april-2026\/\">April<\/a>, <a href=\"https:\/\/www.movinghelp.com\/move\/federal-reserve-july-2026\/\">June<\/a>, and <a href=\"https:\/\/www.movinghelp.com\/move\/federal-reserve-october-2026\/\">September<\/a> meetings.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Federal Reserve announced earlier Wednesday it would keep interest rates steady at the 3.75 percent to 4 percent target range. The vote was 10-2 to leave interest rates alone, with Lisa D. Cook and Beth M. Hammack dissenting. During his press conference, Federal Reserve Chair Kevin Warsh said \u201ceconomic activity is expanding at a [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":24161,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,18,19,9],"tags":[],"class_list":["post-33217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loading-unloading","category-local-moving","category-long-distance-moving","category-moving-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Federal Reserve: Fed Holds Rates at 3.75% to 4% - Moving Help\u00ae<\/title>\n<meta name=\"description\" content=\"The Federal Reserve announced earlier Wednesday, Oct. 28, it wouldn\u2019t increase rates in a 10-2 vote before the 2026 midterm elections.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/movinghelpblog.uhaul.net\/federal-reserve-announcement-october-28-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Federal Reserve: Fed Holds Rates at 3.75% to 4% - Moving Help\u00ae\" \/>\n<meta property=\"og:description\" content=\"The Federal Reserve announced earlier Wednesday, Oct. 28, it wouldn\u2019t increase rates in a 10-2 vote before the 2026 midterm elections.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/movinghelpblog.uhaul.net\/federal-reserve-announcement-october-28-2026\/\" \/>\n<meta property=\"og:site_name\" content=\"Moving Help\u00ae\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-28T23:20:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-28T23:39:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/movinghelpblog.uhaul.net\/wp-content\/uploads\/2026\/01\/Federal-Reserve-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1667\" \/>\n\t<meta property=\"og:image:height\" content=\"938\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"MovingHelp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"MovingHelp\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/movinghelpblog.uhaul.net\\\/federal-reserve-announcement-october-28-2026\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/movinghelpblog.uhaul.net\\\/federal-reserve-announcement-october-28-2026\\\/\"},\"author\":{\"name\":\"MovingHelp\",\"@id\":\"https:\\\/\\\/www.movinghelp.com\\\/move\\\/#\\\/schema\\\/person\\\/11f7302393e939c64f0a573f8b246493\"},\"headline\":\"Federal Reserve: Fed Holds Rates at 3.75% to 4%\",\"datePublished\":\"2026-10-28T23:20:00+00:00\",\"dateModified\":\"2026-10-28T23:39:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/movinghelpblog.uhaul.net\\\/federal-reserve-announcement-october-28-2026\\\/\"},\"wordCount\":1143,\"image\":{\"@id\":\"https:\\\/\\\/movinghelpblog.uhaul.net\\\/federal-reserve-announcement-october-28-2026\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.movinghelp.com\\\/move\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/Federal-Reserve-1.jpg\",\"articleSection\":[\"Loading &amp; 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