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Ideas for an Alternative Monetary Future

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Ideas for an Alternative Monetary Future

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Banking Regulation

fractional reserve banking, banking, selgin, goldsmith, deposits, common law
Banking Regulation, Economic History

The "Bagging Rule" – Or Why We Shouldn't Arrest (All) the Bankers

George Selgin/September 6, 2017June 19, 2022

As our more regular readers know well, every now and then I like to take another stab at debunking the  myth that fractional reserve banking has fraudulent roots. Besides occurring in numerous textbooks, that myth is routinely expounded in the writings and lectures of certain contemporary Austrian School…

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CCAR, DFAS, stress test, capital requirements, leverage ratio
Banking Regulation, The Fed & Central Banks

The 2017 Stress Tests: Are US Banks Really in Good Shape?

Kevin Dowd/August 17, 2017June 19, 2022

“… equally efficacious, and equally a hoax.” – Benjamin Disraeli, 1848[1] One of the highlights of the U.S. summer for Fed watchers is the annual ritual in which the Fed’s economic soothsayers peer into their crystal balls, a.k.a. their stress tests, to reassure us that the U.S. banking system…

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Controlled Substances Act, Fourth Corner Credit Union, Fed Kansas City Fed, National Credit Union Administration, Share Insurance Fund
Banking Regulation, News, The Fed & Central Banks

A Legal Setback for the Fed

George Selgin/July 7, 2017June 19, 2022

Twice here on Alt-M, yours truly has reported on The Fourth Corner Credit Union's attempts to get the Kansas City Fed to grant it a master account, so that it could gain access to the Federal Reserve operated interbank payment and settlement system, and thereby supply ordinary…

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Canadian Banking System, Dodd-Frank, Financial CHOICE Act, FinTech, Too Big To Fail, Mark Calabria, Calabria, Banking Unbound, Cato, banking regulation
Banking Regulation, Economic History, Financial Markets

Banking Unbound: A Day in Charlotte

Ari Blask/June 23, 2017June 19, 2022

As policymakers begin to rethink the current financial regulatory regime, it is important to reconsider the relation between banking regulation, financial stability, and economic vitality. With this in mind, we focused this year’s Cato Summit on Financial Regulation on banking and brought it to one of the…

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ank lending, demand for reserves, IOER, net interest margin, reverse repos
Banking Regulation, The Fed & Central Banks

IOER and Banks' Demand for Reserves, Yet Again

George Selgin/June 1, 2017June 19, 2022

In our recent American Banker opinion piece, Heritage's Norbert Michel and I argue that, if the Fed is really serious about shrinking its balance sheet, it had better quit paying interest on banks' excess reserves (IOER) as well. How come? Because the current, relatively high IOER rate …

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  • Norbert Michel

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Recent Posts

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  • The Menace of Fiscal Inflation
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  • Should the Fed Devalue Our Currency to Implement Negative Interest Rates?

About Us

Welcome to Alt-M, a community devoted to exploring and promoting ideas for an alternative monetary future. Our goal is to reveal the shortcomings of today’s centralized, bureaucratic, and discretionary monetary arrangements, and to bring serious consideration of real alternatives to the center stage of current monetary and financial reform debates.

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