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Thursday, September 11, 2025

Rate Cuts -- A Historical Look -- September 11, 2025

Locator: 49082FED.

Long post. 

Bottom line: looking at the history of the Fed over the past ten years, the tea leaves suggest the Fed will only make 25-basis point cuts through the end of the year, perhaps, two; most likely, three; and, very unlikely, four 25-basis point cuts through the end of the calendar year (2025). 

On a separate note: tea leaves suggest --

  • no recession coming;
  • no stagflation coming.
  • investors will be happy with inflation running around 3% (PPI and PCE, the latter the Fed's preferred measure).

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TL:DR

ChatGPT prompt:

  • In the past ten (10) years, how many times has “the Fed” made a 50-basis point rate cut in a single meeting? Has the Fed ever made two consecutive 50-basis point cuts.

ChatGPT reply

  • In the Past 10 Years (2015–2025): How many times has the Federal Reserve made a 50-basis point (0.50%) rate cut in a single meeting? 
  • Twice — and both occurred in 2020, during the COVID-19 crisis:
    • March 3, 2020 (Emergency Cut):
      • Cut: 50 basis points
      • Fed Funds Target Range went from 1.50–1.75% ➝ 1.
      • This was an emergency inter-meeting cut — rare outside scheduled FOMC meetings. 
    • March 15, 2020 (Emergency Cut)
      • Cut: 100 basis points (1.00%)
      • Fed Funds Target went from 1.00–1.25% ➝ 0.00–0.25%
      • Also an emergency cut — one of the most aggressive in Fed history. 

So while there were larger cuts (like 100 bps), the 50 bps cut specifically happened once during that sequence — March 3, 2020 — and was quickly followed by an even larger one.

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Question: Has the Fed Ever Made Two Consecutive 50-basis Point Cuts? 

Answer: No, not in the past 10 years.

  • The Fed has made multiple cuts in sequence, especially in 2001, 2007–2008, and 2020.
  • But two back-to-back 50 bps cuts? That has not occurred. In 2020, we saw a 50 bps cut, followed by a 100 bps cut, not another 50

Historical Note

  • The Fed has made back-to-back large cuts (including 50 bps or more) during financial crises:
    • 2001 (dot-com bust): Several 50 bps cuts, but not necessarily two consecutively at 50.
    • 2008 (GFC): Cuts of 50–75–100 bps occurred, but often spaced by other sizes or interspersed.

Summary

Question --- Answer

Two questions:

  • Question: how many 50-bps cuts in the past ten years:  one -- March 3, 2020. An emergency cut.
  • Question: any consecutive 50-bps cuts?    no -- never two in a row.
    • however, there was one time whe a 50-basis point cut was followed by a 100-basis point cut, but that was also an emergency cut during the Covid-19 lockdown.