FILE - Former Sen. Kelly Loeffler, R-Ga., speaks before Republican vice presidential nominee Sen. JD Vance, R-Ohio, at a campaign event on Nov. 4, 2024, in Atlanta. (AP Photo/John Bazemore, File)

FILE - Federal Reserve Board Chairman Jerome Powell speaks during a news conference at the Federal Reserve, Dec. 18, 2024, in Washington. (AP Photo/Jacquelyn Martin, File)