Federal Reserve Lowers Primary Credit Rate in Standard Policy Move
Published Date: 11/14/2025
Rule
Summary
The Federal Reserve just lowered the interest rates it charges banks for short-term loans, making borrowing cheaper starting October 30, 2025. This change affects all banks that use the Fed’s backup credit programs and aims to keep money flowing smoothly. The new rules officially kicked in on November 14, 2025, signaling a friendlier borrowing environment for banks.
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Previous: 2025-19887, Extension of Postponement of Effectiveness for Certain Provisions of Trichloroethylene (TCE); Regulation Under the Toxic Substances Control Act (TSCA)
The EPA is giving a 90-day break on some rules about using a chemical called TCE, pushing the start date from November 17, 2025, to February 17, 2026. This mainly affects businesses that use TCE under special exemptions, letting them keep working with it a bit longer under certain conditions. No new fees or costs are introduced, just more time to adjust to the rules.
Next: 2025-19889, Regulation D: Reserve Requirements of Depository Institutions
Starting November 14, 2025, banks and similar institutions will earn 3.90% interest on their money held at Federal Reserve Banks, down 0.25% from before. This change helps keep short-term interest rates steady and affects how banks manage their cash reserves. The new rate actually kicked in on October 30, 2025, so banks should already be seeing the difference in their earnings.