🐂 Not all bull runs are created equal. November’s AI picks include 5 stocks up +20% eachUnlock Stocks

Explainer-How Trump could influence the Fed

Published 08/09/2024, 02:48 PM
Updated 08/09/2024, 04:10 PM
© Reuters. FILE PHOTO: Republican presidential nominee and former U.S. President Donald Trump speaks during a campaign rally held with Republican vice presidential nominee Senator JD Vance, in Atlanta, Georgia, U.S., August 3, 2024.  REUTERS/Umit Bektas/File Photo

(Reuters) -Republican presidential candidate Donald Trump on Thursday offered the most explicit indication so far of his interest in infringing on the Federal Reserve's independence should he regain the White House.

"I feel the president should have at least (a) say in there" on Fed decisions, the former president told reporters at his Mar-a-Lago residence in Florida.

His comment follows a report this spring that Trump allies have drafted proposals that would attempt to erode the Fed's independence if he wins. While the Trump campaign distanced itself from the Wall Street Journal report at the time, his remarks on Thursday indicate he is squarely aligned with one of the proposals' main thrusts: If he becomes president, Trump should be consulted on interest rate decisions, and Fed banking regulation proposals should be subject to White House review.

Presidents grousing about the Fed - especially at times when it is raising interest rates - is hardly a new phenomenon, but such a direct involvement in Fed affairs by Trump should he win would make him the first president since Richard Nixon in the early 1970s to dabble directly in Fed policymaking.

Trump's view contrasts with that of Vice President Kamala Harris, his rival for president. An aide to Harris on Friday said the Democratic candidate believes the Fed should make decisions independent of the president.

PRESIDENTIAL APPOINTMENT

The clearest path for exerting control is through the appointment process. The Fed chief is nominated by the president, subject to Senate confirmation, and Trump could attempt to install a Fed chief willing to elevate allegiance to him over the Fed's long-standing independence.

Trump has a long history of knocking heads with current Fed Chair Jerome Powell, whom he installed as central bank chief in 2018. It was a relationship Trump revisited in his remarks on Thursday, saying "I fought him very hard."

Powell managed to weather Trump's verbal assaults and has spent considerable time as chair building relationships with top Republicans and Democrats in Congress that have fortified his standing.

His second term as chair - Powell was reappointed by President Joe Biden - doesn't expire until May 2026, and Trump told Bloomberg this summer that he would not try to oust Powell before his term ends - something Trump talked repeatedly about doing during his time in the White House. That would leave a window of a bit more than two years for Trump to exert sway over a new Fed chief of his choosing, assuming such a compliant choice wins Senate confirmation.

The next president will also have a chance to choose the two Fed vice chairs - one for monetary policy and one for banking supervision.

THE FED SYSTEM

The Federal Reserve System, created by Congress in 1913, comprises the Washington-based Federal Reserve Board; 12 regional Federal Reserve banks dotted across the country; and the interest-rate-setting Federal Open Market Committee.

The Fed board's seven members include the chair, two vice chairs and four other governors. All are presidential appointees subject to Senate confirmation.

Beyond Powell, two Trump appointees remain on the board, and governors Michelle Bowman and Christopher Waller have hewn to the tradition of Fed independence. Three others Trump had eyed for a board seat who were seen by many as pushing that envelope - Stephen Moore, Judith Shelton and Herman Cain - withdrew or failed to win Senate confirmation.

Each regional Fed bank is run by a president appointed by a subcommittee of each bank's board of directors.

The FOMC comprises all seven board members, the president of the Federal Reserve Bank of New York, and four other regional bank presidents on a rotating basis.

THE BOARD NOW

Fed governors serve 14-year terms or the unexpired remainder of a previous incumbent's term. Term expirations are staggered at two-year intervals, with the next one due in 2026, a seat held by Governor Adriana Kugler, a Biden appointee.

Fed chairs and vice chairs serve four-year terms running concurrently with their governorships. Powell's position as chair expires in May 2026, but his board seat continues until 2028. While historically former Fed chiefs have not stayed on as governor if not re-appointed as Fed leader, there is no requirement that they leave. If Powell were to opt to stay on, it would limit Trump's options for installing more board members compliant with his wishes.

The following is a list of current governors, in order of their term expirations with the nearest listed first.

Board Member Joined board, Board term Became chair /vice Chair/ vice

term extended ends chair, reappointed chair term

ends

Adriana Kugler 9/13/2023 Jan 2026

Jerome Powell, 5/25/2012, Jan 2028 2/5/2018, May 2026

chair 6/16/2014 5/23/2022

Christopher Waller 12/18/2020 Jan 2030

Michael Barr, vice 7/19/2022 Jan 2032 7/19/2022 July 2026

chair for

supervision

Michelle Bowman 11/26/2018, Jan 2034

1/23/2020

Philip Jefferson, 5/23/2022 Jan 2036 9/13/2023 Sept 2027

vice chair

Lisa Cook 5/23/2022, Jan 2038

9/8/2023

THE BANK PRESIDENTS NOW

Fed bank presidents are picked by the six non-banker members of their boards of directors, and must be approved by the Fed Board. They can serve until the mandatory retirement age of 65 or, if appointed after the age of 55, for 10 years or until they reach age 75.

The terms of all current bank presidents end in February 2026, when they will be considered for a fresh five-year appointment by the Board of Governors. This re-upping process historically has not resulted in any change in leadership, but this is custom not law.

The following is a list of term limit dates for the Fed regional bank presidents.

Bank President Expected end of term

PHILADELPHIA Patrick Harker June 2025

RICHMOND Thomas Barkin Jan 2028

NEW YORK John Williams June 2028

SAN FRANCISCO Mary Daly Oct 2028

ATLANTA Raphael Bostic June 2031

BOSTON Susan Collins July 2032

KANSAS CITY Jeffrey Schmid August 2033

ST LOUIS Alberto Musalem April 2034

CHICAGO Austan Goolsbee August 2034

MINNEAPOLIS Neel Kashkari July 2038

DALLAS Lorie Logan February 2038

CLEVELAND Beth Hammack* January 2037

© Reuters. File photo: U.S. President Donald Trump looks on as Jerome Powell, his nominee to become chairman of the U.S. Federal Reserve, speaks at the White House in Washington, U.S., November 2, 2017. REUTERS/Carlos Barria/File photo

*is due to take

office Aug. 21

Latest comments

Risk Disclosure: Trading in financial instruments and/or cryptocurrencies involves high risks including the risk of losing some, or all, of your investment amount, and may not be suitable for all investors. Prices of cryptocurrencies are extremely volatile and may be affected by external factors such as financial, regulatory or political events. Trading on margin increases the financial risks.
Before deciding to trade in financial instrument or cryptocurrencies you should be fully informed of the risks and costs associated with trading the financial markets, carefully consider your investment objectives, level of experience, and risk appetite, and seek professional advice where needed.
Fusion Media would like to remind you that the data contained in this website is not necessarily real-time nor accurate. The data and prices on the website are not necessarily provided by any market or exchange, but may be provided by market makers, and so prices may not be accurate and may differ from the actual price at any given market, meaning prices are indicative and not appropriate for trading purposes. Fusion Media and any provider of the data contained in this website will not accept liability for any loss or damage as a result of your trading, or your reliance on the information contained within this website.
It is prohibited to use, store, reproduce, display, modify, transmit or distribute the data contained in this website without the explicit prior written permission of Fusion Media and/or the data provider. All intellectual property rights are reserved by the providers and/or the exchange providing the data contained in this website.
Fusion Media may be compensated by the advertisers that appear on the website, based on your interaction with the advertisements or advertisers.
© 2007-2024 - Fusion Media Limited. All Rights Reserved.