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Real News, Real Time

Newsom Files Records Request for ICE Operation Near Redistricting Press Conference
Posted inNational News

Newsom Files Records Request for ICE Operation Near Redistricting Press Conference

USNN World Newsby USNN World NewsAugust 18, 2025August 18, 2025
Chimaev Wins UFC Middleweight Belt by Unanimous Decision
Posted inSports

Chimaev Wins UFC Middleweight Belt by Unanimous Decision

USNN World Newsby USNN World NewsAugust 18, 2025August 18, 2025
Small businesses in the United States encountered growing challenges accessing credit in June, according to Equifax’s latest small-business lending index. Lending volumes fell by 3.3 percent month over month, although they remained up by more than 2 percent from the same period in 2024, according to the report released on Aug. 18. The index’s three-month moving average jumped to 1 percent, fueled by robust lending activity volumes in April that have since eroded. Story continues below advertisement Regionally, 23 states experienced year-over-year declines in 12-month rolling lending volumes, with California (minus 10 percent), Nevada (minus 9 percent), and Georgia (minus 6 percent) leading the decline. Across industries, nominal (noninflation-adjusted) lending decreased in six of the 17 sectors tracked. Accommodation and food services experienced the sharpest decline, while construction, finance and insurance, and retail lending remained stable. Credit conditions showed signs of stabilization in the wake of President Donald Trump’s tariff agenda, the report reads. Related Stories Treasury Department Releases New Guidance Restricting Wind, Solar Tax Credits The Epoch Times Buy Now, Pay Later Is Just Credit, Not a Crisis The Epoch Times The small-business delinquency index (31 to 90 days past due) edged up by nearly 2 percent, or three basis points, from May. The index was little changed from June 2024. Additionally, the default index fell by more than 3 percent, down by seven basis points month over month. Despite national improvements, 34 states reported year-over-year increases in default rates. Maine stood out with a 35 percent spike, the highest in the country. Delinquency rates rose or held steady in five industries, with wholesale trade posting the largest monthly increase of 2 percent. In the coming months, a boost to small-business lending is expected to unfold in the third and fourth quarters. Wall Street overwhelmingly anticipates that the Federal Reserve will lower interest rates beginning in September. The Fed’s periodic Summary of Economic Projections—a survey of policymakers’ expectations for the economy and interest rates in the future—points to two rate cuts this year. The federal funds rate—a key policy rate that influences business, consumer, and government borrowing costs—has been unchanged in a target range of 4.25 percent to 4.5 percent since January. Story continues below advertisement However, although a rate cut is considered a boon for the credit industry, the report states that easing monetary policy could “exacerbate inflationary pressures.” Last week, the annual inflation rate for July came in at 2.7 percent for the second straight month, lower than the market’s estimate of 2.8 percent. However, key pipeline inflation indicators—the producer price index and import prices—topped economists’ expectations, signaling that the current administration’s trade agenda could be igniting renewed price pressures. The U.S. central bank will host its annual Jackson Hole Economic Symposium from Aug. 21 to Aug. 23, with Fed Chairman Jerome Powell delivering the keynote address on Aug. 22. Lenders Signal Optimism Despite the slowdown in small-business lending, a recent industry survey suggests that lenders remain optimistic, citing improved business conditions. The Federal Reserve in Washington on July 21, 2025. (Madalina Kilroy/The Epoch Times) The Federal Reserve in Washington on July 21, 2025. Madalina Kilroy/The Epoch Times According to the American Financial Services Association’s latest consumer credit conditions index for the second quarter, shared with The Epoch Times, the business environment was positive on balance. In the April–June period, the net increasing index—a measure spotlighting the difference between the percentage of lenders who said loan performance conditions got better and those who said they got worse—reached the highest level in the survey’s six-quarter history. In addition, 26 percent more respondents reported that funding costs improved in the second quarter than those who said they worsened. Meanwhile, 18 percent reported an improvement in the performance of their outstanding loans, compared with those who said it worsened. Despite broad-based improvements, more auto lenders reported that business conditions weakened in the second quarter than those who reported improvements. Auto lenders also anticipate weaker overall conditions over the next six months. Caution Ahead Demand for loans from commercial and industrial companies has weakened, according to the New York Fed’s Senior Loan Officer Opinion Survey on bank lending. Banks, according to the report, also found weaker demand for credit and other loans from consumers. Despite slowing credit demand, the findings indicated that credit supply through banking lending standards had not tightened significantly. Bipan Rai, managing director at BMO, said that ultimately, the latest figures reveal both the good and the bad. “Empirically, we know that a deterioration in the credit cycle is consistent with a general slowing of the real economy,” Rai said in an Aug. 11 note. “A silver lining in the [Senior Loan Officer Opinion Survey] release is that credit supply ... has not tightened materially. Typically, a slowing in the credit cycle would be more concerning if falling demand came as a result of tighter lending standards.” Although the trade situation has stabilized since the April peak of uncertainty, businesses and consumers are seeking greater policy clarity, a recent survey highlighted. The American Bankers Association’s latest credit conditions index—a quarterly outlook for credit markets—declined for the second consecutive quarter. The headline reading came in at 32.1—anything lower indicates expected deterioration—and the index fell to 35.7 for businesses and 28.6 for consumers. Trade negotiations and passage of the One Big Beautiful Bill Act have offered some reassurance, but tariff-related uncertainty is still a headwind for credit conditions and the broader economy, according to Sayee Srinivasan, the association’s chief economist. “'Hard data’ suggest the economy remains on solid footing, but consumer and business sentiment indicate that policy uncertainty remains elevated and is causing some firms and households to adopt a cautious approach to hiring, spending and investment,” Srinivasan said in the report. The White House recently imposed higher reciprocal tariffs, ranging from 10 percent to 50 percent, on almost 70 U.S. trading partners. The president is expected to announce tariffs on imports of chips, semiconductors, and pharmaceuticals soon. Story continues below advertisement Still, small-business optimism has improved and is above the National Federation of Independent Business’s long-term average. Bill Dunkelberg, the group’s chief economist, said that uncertainty persists but business owners are “reporting more positive expectations on business conditions and expansion opportunities.”
Posted inBusiness

Small-Business Lending Faces Mixed Signals Amid Economic Shifts

USNN World Newsby USNN World NewsAugust 18, 2025August 18, 2025
Dozens of Democrat-Led States Sue Trump Admin for Tying Crime Victim Funds to Immigration Enforcement
Posted inImmigration

Dozens of Democrat-Led States Sue Trump Admin for Tying Crime Victim Funds to Immigration Enforcement

USNN World Newsby USNN World NewsAugust 18, 2025August 18, 2025
North Carolina County Declares State of Emergency as Hurricane Erin Intensifies Again
Posted inWeather

North Carolina County Declares State of Emergency as Hurricane Erin Intensifies Again

USNN World Newsby USNN World NewsAugust 18, 2025August 18, 2025
Trump to Host High-Stakes Meetings With Zelenskyy, European Leaders
Posted inWorld

Trump to Host High-Stakes Meetings With Zelenskyy, European Leaders

USNN World Newsby USNN World NewsAugust 18, 2025August 18, 2025
Wall Street Review: Stocks Reach Highs Despite Inflation, Rate Concerns
Posted inEconomy

Wall Street Review: Stocks Reach Highs Despite Inflation, Rate Concerns

USNN World Newsby USNN World NewsAugust 17, 2025August 17, 2025
Lionel Messi scores goal in injury return, fuels Inter Miami win vs. LA Galaxy
Posted inSports

Lionel Messi scores goal in injury return, fuels Inter Miami win vs. LA Galaxy

USNN World Newsby USNN World NewsAugust 17, 2025August 17, 2025
Former New Mexico Candidate Gets 80 Years in Shootings at Officials’ Homes
Posted inNational News

Former New Mexico Candidate Gets 80 Years in Shootings at Officials’ Homes

USNN World Newsby USNN World NewsAugust 17, 2025August 17, 2025
Massachusetts Health Officials Issue Warning on ‘Flesh-Eating’ Bacteria
Posted inHealthcare

Massachusetts Health Officials Issue Warning on ‘Flesh-Eating’ Bacteria

USNN World Newsby USNN World NewsAugust 17, 2025August 17, 2025
Rich Londoners Hire Security, Leave Rolexes at Home Over Knife Crime, Robberies
Posted inWorld

Rich Londoners Hire Security, Leave Rolexes at Home Over Knife Crime, Robberies

USNN World Newsby USNN World NewsAugust 17, 2025August 17, 2025
3 Killed, 8 Injured in Shooting in Brooklyn Club
Posted inNational News

3 Killed, 8 Injured in Shooting in Brooklyn Club

USNN World Newsby USNN World NewsAugust 17, 2025August 17, 2025

Posts pagination

Newer posts 1 … 22 23 24 25 26 … 585 Older posts

NATIONAL NEWS

  • Trump Authorizes Military to Take Control of Federal Land Along Southern BorderTrump Authorizes Military to Take Control of Federal Land Along Southern Border
    By Bill Pan President Donald Trump on Friday issued a memorandum authorizing the U.S. military to take control of a strip of federal land along ...
  • Trump Exempts Phones, Computers, Other Electronics From Reciprocal TariffsTrump Exempts Phones, Computers, Other Electronics From Reciprocal Tariffs
    By Naveen Athrappully President Donald Trump exempted a range of everyday products, specifically in the electronic category, from reciprocal tariffs while importing into the United ...
  • US Crude Oil Exports Hit Record High: EIAUS Crude Oil Exports Hit Record High: EIA
    By Naveen Athrappully Exports of American crude oil surged last year to a new high, with Europe remaining a major customer for the United States, ...
  • Musk Says DOGE Expects to Save $150 Billion by Reducing Waste, FraudMusk Says DOGE Expects to Save $150 Billion by Reducing Waste, Fraud
    By Katabella Roberts Elon Musk said on Thursday that he expects the Department of Government Efficiency (DOGE) to save $150 billion from the federal budget ...
  • DHS Reminds Illegal Immigrants to Comply With Registration Mandate Before DeadlineDHS Reminds Illegal Immigrants to Comply With Registration Mandate Before Deadline
    By Bill Pan The Department of Homeland Security (DHS) is reminding those in the United States illegally to register with the government, following a legal ...
  • Goods at Sea Dodge Tariffs Until May, Those Warehoused Taxed When TakenGoods at Sea Dodge Tariffs Until May, Those Warehoused Taxed When Taken
    By John Haughey With a whirlwind of changes to U.S. tariffs, there’s a scramble to understand how the duties will impact goods in transit on ...
  • House Passes Bill to Require Proof of Citizenship to VoteHouse Passes Bill to Require Proof of Citizenship to Vote
    By Joseph Lord and Jackson Richman The House on April 10 gave the nod to a bill that would enhance documentation and identity requirements to ...
  • Six Die After Helicopter Crashes in the Hudson River Near ManhattanSix Die After Helicopter Crashes in the Hudson River Near Manhattan
    By Jacob Burg A helicopter crashed into the Hudson River just off Manhattan on April 10, killing all six on board, authorities said. The incident occurred ...
  • FBI Investigates Vandalism of Tesla Charging Station in Washington StateFBI Investigates Vandalism of Tesla Charging Station in Washington State
    By Bill Pan The Federal Bureau of Investigation (FBI) is investigating an incident that severely damaged a Tesla Supercharger station in Washington state, the latest ...
  • US Spy Chief Gabbard Starts Task Force to Investigate Intelligence CommunityUS Spy Chief Gabbard Starts Task Force to Investigate Intelligence Community
    By Jack Phillips Director of National Intelligence Tulsi Gabbard has said she is setting up a task force to cut costs and root out what ...
  • Appeals Court Rejects Trump Admin’s Bid to Fast-Track Deportations to Third CountriesAppeals Court Rejects Trump Admin’s Bid to Fast-Track Deportations to Third Countries
    By Tom Ozimek A federal appeals court has denied the Trump administration’s request to lift a temporary restraining order blocking the government from fast-tracking the ...
  • Bidding for Gulf Oil Leases Begins in JuneBidding for Gulf Oil Leases Begins in June
    By John Haughey Bidding for nearly 100 million acres of offshore oil and gas leases off Louisiana and east Texas will begin in June in ...
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