Finance News
Credit Card Charge-Offs: What Lender Data Showed in Q1 2026
Credit card charge-offs at commercial banks eased to 3.67 percent in the first quarter of 2026, per Federal Reserve G.19 data, while the New York Fed reported…
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Jacob Hoffman
Independent editorial contributor covering markets, digital assets, risk and personal finance.
Articles by Jacob Hoffman
Finance News
Prime Rate vs. Fed Funds Rate: How They Differ
The fed funds rate is the Federal Reserve's overnight policy target, while the prime rate is a bank-posted benchmark that has settled three percentage points…
Finance News
Dollar Index Moves: What DXY Levels Signal
The U.S. Dollar Index fell roughly nine percent in 2025 and spent early 2026 below the 100 mark, with a first-quarter recovery capped near that level, per MUFG…
Finance News
How Treasury Auctions Work and Set Yields
Treasury auctions are the process by which the U.S. government sells bills, notes, bonds, TIPS, and FRNs through sealed single-price bidding, a format used for…
Finance News
How the Debt Ceiling Works and What It Limits
The debt ceiling caps what the Treasury may borrow to pay obligations Congress has already enacted, a limit changed close to 80 times since 1960 and set at…