Economy March 23, 2026

Daly Urges Scenario-Based Approach as Uncertainty Remains Elevated

San Francisco Fed president maps two economic paths tied to Middle East developments and energy costs, calling for policy flexibility

By Priya Menon
Daly Urges Scenario-Based Approach as Uncertainty Remains Elevated

Federal Reserve Bank of San Francisco President Mary Daly said Monday that when uncertainty is high, framing risks as scenarios is more useful than fixating on a single economic forecast. She outlined one path in which a swift resolution to the Middle East conflict eases energy costs and leaves the U.S. economy largely unscathed, and an alternative in which a prolonged conflict drives sustained energy-supply disruptions, raising inflation risks and weakening growth and the labor market. Daly emphasized that the Fed should remain flexible, avoid overconfident forward guidance, and keep focus on restoring price stability while supporting full employment.

Key Points

  • Daly said scenario-based analysis is preferable to a single modal forecast when uncertainty is elevated; this affects how the Fed interprets temporary energy-price shocks.
  • A quick resolution in the Middle East would likely lead to falling energy prices and a muted economic impact, permitting policymakers to look through temporary inflation from energy.
  • A prolonged conflict could cause persistent supply disruptions, higher inflation risk, slower growth, and a weaker labor market, complicating the Fed's tradeoffs between price stability and employment.

Federal Reserve Bank of San Francisco President Mary Daly said Monday that elevated uncertainty calls for a scenario-driven analysis rather than adhering to a single modal outlook.

Daly sketched two distinct potential trajectories for the economy linked to developments in the Middle East and their effects on energy markets.

In the first scenario, the conflict is resolved quickly, allowing oil and other energy prices to decline. Under that outcome, Daly said the economic impact would be short-lived and relatively muted. In that environment, it would likely be reasonable to look through a temporary uptick in energy costs, provided that inflation expectations remain well anchored.

The alternate scenario is one in which the conflict extends over a longer period. In that case, disruptions to energy supply and the attendant cost pressures could persist. Daly warned that such a development would increase the risk of higher inflation, slower economic growth, and a weaker labor market. Those conditions, she said, would intensify the tradeoffs facing monetary policy and make it more difficult to balance the risks to both sides of the Fed's dual mandate.

On the outlook for monetary policy more broadly, Daly rejected the notion of a single most-likely path. With policy currently in a good place, she argued that the Federal Reserve needs to retain flexibility and the capacity to respond rapidly as risks evolve.

Daly acknowledged that this emphasis on scenarios and flexibility can appear vague. She explained that providing too much forward guidance in an environment of heightened uncertainty risks creating a false sense of certainty. That, she warned, could reduce rather than enhance transparency and complicate the public's ability to anticipate how the Federal Open Market Committee would respond.

She concluded that the appropriate approach is to recognize the underlying uncertainty, examine plausible scenarios, and remain committed to restoring price stability while supporting full employment regardless of which path the economy follows.


Summary

Mary Daly recommended scenario analysis in the face of elevated uncertainty, outlined two possible outcomes tied to the duration of conflict in the Middle East and its effect on energy prices, and urged the Fed to remain flexible while avoiding overconfident forward guidance.

Sectors potentially impacted

  • Energy - through movements in oil and broader energy prices.
  • Financial markets - via changing inflation and growth expectations that affect monetary policy prospects.
  • Labor - through risks to employment should slower growth materialize.

Risks

  • Protracted Middle East conflict - could sustain energy supply disruptions and cost pressures, impacting the energy sector and inflation expectations.
  • Increased inflation alongside slower growth - would intensify monetary policy tradeoffs and could affect financial markets and labor conditions.
  • Excessive forward guidance - offering too much policy certainty in a volatile environment could reduce transparency and hinder public understanding of FOMC reactions.

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