Economy March 16, 2026

Barclays Sees Fed Holding Rates as Inflation Persists; First Cut Pushed to September

Bank flags mixed growth signals, sticky core inflation and upside risks that delay policy easing

By Leila Farooq
Barclays Sees Fed Holding Rates as Inflation Persists; First Cut Pushed to September

Barclays economists say recent U.S. data show weaker demand late last year but signs of resilience entering 2026. Persistent core inflation and upside risks from oil and geopolitics lead the bank to expect the Federal Reserve to keep rates steady at its upcoming meeting and to delay the first rate cut until September 2026.

Key Points

  • Barclays sees mixed U.S. economic signals: weaker demand in Q4 2025 but stronger income and labor indicators into 2026.
  • Fourth-quarter GDP was revised down to a 0.7% annualized pace, with consumer spending lowered to 2.0% and private domestic final purchases cut to 1.9%.
  • Barclays now expects the Fed to hold rates at the next meeting and to deliver one 25 basis-point cut in September 2026, delaying an earlier June cut and pushing a second cut to March 2027.

Barclays economists say U.S. economic indicators are sending mixed messages: activity appeared to slow at the end of last year, yet stronger income and labor measures early in 2026 point to continued resilience. That mix, the bank argues, is likely to keep the Federal Reserve cautious about trimming interest rates in the near term.

In a note outlining the bank's policy outlook, Barclays' team led by Pooja Sriram highlighted revised growth figures that suggest a dampening of demand in the fourth quarter even as household finances and hiring remain supportive of consumption.

Second estimates for fourth-quarter gross domestic product showed growth revised down to an annualized 0.7%. The downgrade reflected weaker contributions from consumer spending and business investment, with consumer spending growth lowered to a 2.0% annualized pace and private domestic final purchases cut to 1.9%.

Despite the softer headline, income data provided a more encouraging picture for near-term activity. Revised labor-income figures lifted third-quarter gross domestic income growth to 3.5%, while disposable personal income increased 0.9% month-on-month in January. Real personal spending, adjusted for inflation, rose 0.1% in January for the second straight month, indicating consumption broadly tracking income gains.

Labor-market measures also remained relatively firm. Job openings climbed to roughly 6.95 million in January and the hiring rate held steady, signaling continued demand for labor that can underpin spending.

Barclays singled out inflation dynamics as the central concern for policy makers. While consumer price index readings appear relatively muted, the bank emphasized that the Federal Reserve's preferred inflation gauge - core Personal Consumption Expenditures - continues to show stronger underlying pressure.

Specifically, core CPI rose 0.22% month-on-month in February, but core PCE inflation printed close to 0.4% for a second consecutive month in January and is expected to record a similar reading for February. That divergence between CPI and core PCE, Barclays said, supports a more cautious approach from the Federal Open Market Committee.

Given the mix of softer growth in late 2025 and persistent underlying inflation, Barclays now expects the FOMC to leave the policy rate unchanged at its upcoming meeting as policymakers await clearer evidence that inflation is converging toward the 2% objective.

The bank adjusted its path for easing, narrowing its 2026 cut schedule to a single 25 basis-point reduction in September, moved back from a prior view of a June cut. The economists also pushed their second anticipated 25 basis-point easing out to March 2027.

Barclays cited elevated core inflation readings and upside risks from higher oil prices and geopolitical uncertainty as reasons for the delay. The bank said the Fed will likely require more convincing signs that underlying inflation is moderating before commencing a series of rate reductions.

Looking ahead to central bank communications, Barclays expects Fed Chair Jerome Powell to underline that further hikes are not the base case while reiterating that cuts remain the central scenario. However, any move toward easing, the economists noted, would probably depend on clearer evidence that inflation has peaked or that labor-market strength is waning.


Impacted sectors and markets

  • Interest-rate sensitive sectors such as housing and utilities, which respond to changes in borrowing costs.
  • Energy markets, given Barclays' explicit note that higher oil prices present an upside risk to inflation.
  • Credit and financial markets, which price Fed path expectations into yields and borrowing spreads.

Risks

  • Elevated core PCE inflation could force the Fed to remain restrictive for longer, affecting rate-sensitive sectors like housing and corporate borrowing.
  • Upside pressure from higher oil prices may feed into inflation readings, complicating the Fed's path to easing and weighing on energy-exposed parts of the economy.
  • Geopolitical uncertainty creates additional upside inflation risk, which could delay monetary easing and influence financial market volatility.

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