In the News

June 3, 2025

MarketWatch: America’s biggest lender is closing its wallet — and investors and home buyers will feel it. Here’s what to watch

In his latest MarketWatch column, R360 Managing Partner Charlie Garcia unpacks the quiet economic pact that let Americans borrow big while Japan footed the bill.

MarketWatch

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For decades, Japan has been the largest foreign holder of U.S. debt, helping to keep American interest rates low and credit flowing. In his latest MarketWatch column, R360 Managing Partner Charlie Garcia unpacks the quiet economic pact that let Americans borrow big while Japan footed the bill. But with Japan now facing skyrocketing debt, political turmoil, and an aging population, that long-running financial arrangement is unraveling fast.

What happens when America’s most reliable lender starts cashing out? Higher interest rates, tighter credit, and fewer easy answers.

Read the full article here.

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