The Federal Reserve decided to not raise interest rates and that is based in many ways on a mixed market. You can watch the whole video below. A couple of interesting articles. One is a news piece so you can see what is happening and the other an explanation of what the Federal Reserve does.
A solid explanation 'Federal Reserve holds key rate at 5% as it evaluates state of the economy following lower inflation reading'
The monetary policy and credit is managed by the Federal Reserve. You can read about that in 'The Fed Explained: What the Central Bank Does'
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