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A new podcast from FHN Financial looking at the most important things driving fixed income markets and the macroeconomy. Every episode features experts who give unique insights on topics like the regional banking landscape, commercial real estate, or how to translate Federal Reserve policy into market strategies. Tune in to better understand what’s been moving markets lately, and what to keep an eye on in the weeks and months ahead. Listen and subscribe wherever you get your podcasts
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Brian Waters on the Community Reinvestment Act
Congress passed the Community Reinvestment Act (CRA) nearly 50 years ago to encourage lending within financial institutions’ local communities. Since its passage, regulators have tried to modernize the CRA in order to keep up with broad changes in the financial system. Today, banks and bank examiners are preparing for possible reforms in the coming years that would significantly alter how they comply with the CRA. In this episode, we talk with Brian Waters, President and Co-Founder of FindCRA, about the history of CRA, its efficacy amidst a shifting financial landscape, and some proposed changes on the horizon.
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Matt Peterman and Ruben Rodriguez on the SBA Market
Loans issued by the Small Business Administration are pooled into securities that are backed by the full faith and credit of the US government, have a quarterly adjusting feature, and have no floating rate cap. The SBA market is big and liquid enough to function smoothly through shocks like legislative risk and the 2023 regional banking crisis. In this episode, we talk with Matt Peterman and Ruben Rodriguez of FHN Financial about the structure of SBA 7(a) securities, how the SBA market functioned through the pandemic economy, and the securities’ strategic role in the current interest rate environment.
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Julia Gelatt on the Impacts of Immigration on the US Economy
Recent research from the Congressional Budget Office suggests that an initial undercounting of undocumented migrants may help explain the surprisingly resilient US economy during the last two years. From a macroeconomic perspective, the future path of migration flows will significantly affect longer-term estimates of potential economic growth and public budget trajectories. In this episode, we talk with Julia Gelatt, Associate Director of the US Immigration Policy Program at the Migration Policy Institute, about the current state of US immigration, the most important drivers of US migration flows, the role of policy versus external factors, and the impacts of migration on the US economy and federal budget.
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James Hotchkiss on the Federal Home Loan Bank System
The Federal Home Loan Bank system started as a Great Depression-era effort to support homeownership across the United States. Ever since, it has transformed into a vital source of liquidity for its member banks in good times and bad. In this episode, we talk with James Hotchkiss, Senior Director of Strategies and Solutions at the Federal Home Loan Bank of Chicago, about the FHLB system’s history, how it serves its member banks, and its role in the US financial system.
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Preston Mui on the Labor Market
The labor market is at the center of overall economic activity and how the Federal Reserve understands inflation. It can be difficult to gauge underlying trends for employment and compensation, however, when some data series appear to be telling different stories. In this episode, we talk with Preston Mui, Senior Economist at Employ America, about how to understand the most important labor market data, how the Fed views labor market tightness in its fight against high inflation, and the outlook for 2024.
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Brian Matochik and Christian Turner on Bank Derivatives Tools
The use of derivatives has evolved since the global financial crisis, giving banks opportunities to protect against the risks and uncertainty that stem from aggressive Fed tightening. Now that the Fed is poised to begin policy easing later this year, these tools can also help banks weather falling interest rates to support financial system stability. In this episode, we talk with Brian Matochik and Christian Turner, Senior Vice Presidents with the Derivative Products Group at FHN Financial, about the value of derivatives for banks in a wide range of market environments, how regulators view the use of derivatives, and how institutions of any size can benefit from their use.