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The Federal Reserve decided to keep interest rates unchanged this July as officials continue to deal with inflation and uncertainty in the economy.

The current rate remains between 3.50% and 3.75%. While most officials supported keeping rates the same, three members wanted to raise them, showing that there are different opinions about what the Fed should do next.

The decision matters because interest rates affect borrowing across the economy, including mortgages, business loans, and credit cards. Banks and investors are also watching closely because any future change could have a major effect on financial markets.

For now, the Federal Reserve is waiting for more information about inflation and the job market before making its next move.

With another decision coming later this year, markets will be watching closely to see if rates finally increase or remain where they are.