The Creative Consumer

Andy Bauer and Renee Haltom share what they have learned through conversations with Fifth District businesses about consumer spending and how it has responded to cost increases and other economic headwinds. Bauer and Haltom are regional executives at the Federal Reserve Bank of Richmond.

Full transcript and related links: https://www.richmondfed.org/podcasts/speaking_of_the_economy/2026/speaking_2026_09_23_the_creative_consumer