Finance News
What the Fed Decided in January 2026: Rates Held at 3.50%-3.75%
The FOMC kept the federal funds target range at 3.50%-3.75% on January 28, 2026, with governors Stephen Miran and Christopher Waller dissenting for a…
Author
Naomi Bergman
Independent editorial contributor covering fintech, payments, household credit, regulation and markets.
Articles by Naomi Bergman
Payments
What Card Decline Codes Tell Merchants About Failed Payments
Issuer response codes such as 05, 14, 51 and 57 each carry a different operational instruction for merchants, from retry timing to card-on-file hygiene.
Finance News
How the Fed Funds Rate Actually Reaches Your Savings Account
The Fed cut its target range to 3.50%-3.75% in December 2025, yet the FDIC national average savings rate has stayed below 0.5% - here is how the transmission…
Payments
How ACH Transfers Move Money Between Banks and Why Settlement Waits
Nacha batch windows explain why standard ACH settles next banking day, while Same Day ACH windows can deliver $1 million payments by 6 p.m. ET.