Capitol Digest

Section

Finance & Economy

Markets, rates, jobs, and the forces moving the U.S. economy.

American Consumers Keep Spending, Tilting Toward Experiences Over Goods
Finance & Economy

American Consumers Keep Spending, Tilting Toward Experiences Over Goods

Retail data shows steady spending with a continued shift toward travel, dining, and services rather than physical goods.

Small Business Optimism Ticks Up as Lending Conditions Loosen
Finance & Economy

Small Business Optimism Ticks Up as Lending Conditions Loosen

Owners report improved access to credit and steadier demand, though finding workers remains a persistent headache.

The Student Loan Repayment Landscape Grows More Complex for Borrowers
Finance & Economy

The Student Loan Repayment Landscape Grows More Complex for Borrowers

A shifting mix of repayment plans and rules is leaving many borrowers unsure which option fits, and how much they will owe each month.

New Rules Sharpen the Line Between Employees and Contractors
Finance & Economy

New Rules Sharpen the Line Between Employees and Contractors

Updated federal guidance clarifies when a worker counts as an employee, with implications for millions in the gig and freelance economy.

Rising Interest Costs Push the National Debt Back Into the Spotlight
Finance & Economy

Rising Interest Costs Push the National Debt Back Into the Spotlight

As higher rates raise the cost of servicing the debt, interest payments now rival major categories of federal spending.

Florence Nails: The Card Reader That's Always Down: What Every Owner Should Know About Payment Apps and the IRS
Finance & Economy

Florence Nails: The Card Reader That's Always Down: What Every Owner Should Know About Payment Apps and the IRS

When the card reader is conveniently down and everyone is asked to pay by Zelle, Venmo, or cash, the money is easy to leave off the books. Here is why that habit raises concern with the IRS, and why the trail is never as invisible as it looks.

Regional Banks Navigate the Slow Reckoning in Commercial Real Estate
Finance & Economy

Regional Banks Navigate the Slow Reckoning in Commercial Real Estate

Higher vacancy in office buildings is testing lenders, but the reckoning is unfolding gradually rather than as a sudden shock.

Household Credit Card Balances Climb, Testing the Resilient Consumer
Finance & Economy

Household Credit Card Balances Climb, Testing the Resilient Consumer

Rising balances and high interest rates are straining some households even as overall spending holds up, a divide worth watching.

Automatic Enrollment Lifts 401(k) Participation, but Gaps Persist
Finance & Economy

Automatic Enrollment Lifts 401(k) Participation, but Gaps Persist

Design changes that enroll workers by default have boosted retirement saving, yet many still lack access to a workplace plan.