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The Triple Punch of Monetary Tightening on US Mortgage Rates

The Federal Reserve’s monetary tightening in response to high inflation rates has passed through to mortgage rates with unusual speed, leading to the benchmark 30-year fixed-rate mortgage hitting 7 percent. The three punches to mortgage rates are higher 10-year US Treasury yields, a wider agency MBS basis and wider mortgage-lender margins. ....

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Transcripts for CNN CNN This Morning 20240604 12:09:00

Inflation is more entrenched than we realize, we are going to have to keep interest rates high for longer and that s going to increase the pressures on the banking sector. if the markets are right that inflation s gonna fall quickly the second half of the year, monetary policy could normalize sooner and the banking stress would be relieved. it my view, it s what s happening in inflation, how long is it going secretary yellen said she thinks more bank mergers essentially or takeovers may be in the cards for the future. we saw jamie dimon swoop in and buy up the assets of failing first republic bank. was that a good thing? you talk about banks being too big. d does i does it concern you that jpmorgan just got bigger? it concerns me. in 2008 we had to allow big banks to get bigger to ....

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Transcripts for CNN CNN This Morning 20240604 11:14:00

It s investors that are selling the stock. it s not the depositors are fleeing these banks. at some point then it becomes a vicious cycle. then people start hearing, wait, is there something wrong with this bank, and they decide to pull their money out. i think we re in a new phase of i m not calling it a banking crisis, banking stress. we re in a new phase of banking stress, and i think we will see headlines like this. we saw that merger that was scuttled yesterday. that was a plain vanilla merger in february. everything has really changed. they said there was regulatory uncertainty over the time line is the reason they scuttled that merger. it s a new phase in banking. phil, what is the white house thinking on all of this? i m sure they re tracking all of this closely, but what are they saying behind the scenes? we d like this to go away as soon as possible, particularly given the fact that in a month we re looking at another crisis. what jamie dimon said publicly and the fed cha ....

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Transcripts for CNN CNN News Central 20240604 17:05:00

it is hard to say it is contained, especially when you have seen so much volatility. the regional banks have been up, they ve been down. today they re taking part in the larger broader market rally, but hard to say for sure it is contained. here is what is really concerns about this, jessica, the stress with the banks could undo all of the strength we see in other parts of the economy. earlier this week i spoke with a chief economist at bank of america and i said, look, with inflation being what it is, with interest rates being what it is, with the debt ceiling showdown being what it is and i could go on, what concerns you most moving forward. he said, the banking stress. that s the concern there. oh, wow. something to keep in mind. rahel solomon for us. thanks so much. today a top kremlin official warned russia and the u.s. are on the verge of an open, armed conflict, his words while claiming that the u.s. wants to destroy sovereign russia. but as moscow ramps up his rhetoric se ....

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