Holiday shopping, strong auto sales and a recovering housing market helped boost the U.S. economy from the middle of November through early January, according to a Federal Reserve survey released Wednesday. The Fed said 12 of its regional banking districts reported "modest or moderate" growth in the final weeks of 2012. Of those, only St. Louis said growth had slowed from the previous survey, which covered October through early November. Consumers increased spending at the end of the year in every district. Auto sales were steady or stronger in 10 districts. Home sales increased in nine districts. And home building expanded in all but one. Still, employers in some parts of the country delayed hiring because of uncertainty over the fiscal cliff. Congress and the White House reached a deal on Jan. 1 to prevent sharp income tax increases from hitting most Americans. But they put off decisions on government spending cuts. The report, called the Beige Book, provides anecdotal information on economic conditions through Jan. 4. The information collected by the regional banks will be used as the basis for the Fed's policy discussion at the Jan. 29-30 meeting. Many economists believe the Fed will take no new steps at that meeting. The Fed last month said it planned to keep its key short-term interest rate at a record low even after unemployment falls close to a normal level — which it said might take three more years. And it said it would keep buying $85 billion U.S. a month in Treasurys and mortgage bonds to try to keep borrowing costs low and encourage more spending. The economy has shown some signs of improvement in recent months. But unemployment remains high at 7.8%. Job growth has been modest but steady. In December, employers added 155,000 jobs, roughly matching the monthly average in 2011 and 2012. Wage growth has been weak. But at the same time, consumers are seeing little inflation. Retail spending grew in December from November, led by higher sales of cars, furniture and clothing. Still, many consumers are likely to pull back on spending at the start of the year because lawmakers and President Barack Obama allowed a two-year reduction in Social Security payroll taxes to lapse. Most Americans will start seeing less money in their paychecks this month. A person earning $50,000 U.S. a year will see take-home pay shrink by roughly $1,000 U.S. in 2013. That's likely to slow consumer spending and weigh on overall economic growth.