Is the Federal Reserve suddenly open to cutting U.S. interest rates as early as July? That’s what Wall Street investors want to know when Fed Chair Jerome Powell testifies before Congress this week.

The Greek chorus of Fed watchers calling for an immediate interest rate cut this summer is growing. This may include your household as it is battered by high mortgage bills and credit-card rates plus disappointing 401(k)s.

Federal Reserve governor Michelle Bowman on Monday said the central bank should consider cutting its key interest rate as soon as its next meeting in July, underscoring deep divisions among Fed officials as they endure sharp criticism from the White House.