A historia das leis bancarias nos estados unidos em ingles

The present American baking structure is a consequence of a century-long effort by the U.S. government and its people to ensure a safe, sound, and competitive national banking system. Its function is to support the citizens, communities, and economy of the United States. The laws that govern this essential part of the American capitalistic society have been changed and molded constantly to fit the requirements and strains of each time period. The money supply and control in the early colony years was largely in the hands of England. The first Acts of Congress geared towards the establishment of a stable banking system suffered pressures from various conflicting parties and were modified throughout the years. Wars, both in the country and worldwide, have influenced the development of banking due to the need for financing and active government participation. The tendencies for government control have not occurred quickly, however, today they are more prevalent than ever.

British merchants provided the majority of the sources of money and credit during the colonial period of American history (1607-1783). The American colony served as a superb opportunity for British merchants. It was a new market for the growing British economy during the time. Colonial importers and wholesalers relied on credit from British suppliers while rural merchants received credit from importers and wholesalers in the port cities and, finally, consumers received credit from the retailers. (McCusker and Menard, 80n; Perkins, 24). After the Declaration of Independence, the first commercial bank received a charter of incorporation: The Bank of North America, in 1781. This was a result of a resolution by the Continental Congress. However, there was doubt regarding the power of the Congress to permit the establishment of a bank. Thus, the Bank of North America also obtained charters from state authorities: the Pennsylvania legislature. In 1784, the Bank of Massachusetts and the Bank of New