Banking & Credit in America – How Public Banks And Other Public Benefit Financial Institutions Can Rescue Our Communities And Revive Local Economies, 2012.
This document provides a comprehensive (100+ pages), in-depth exploration of community banking in the U.S. and how public banking can be used to “cure what ails us”. It looks at public banking both here in the U.S. as it exists today, in particular with the Bank of North Dakota, and compares that with public banking around the world, especially in Germany with their Sparkassen banks. It further explores how such banks can be established here and how they can be funded and run.

Public Banking – A Strategic Overview, 2012.
An overview of the public banking strategy explored in depth in the Banking & Credit in America document below.

Public Banking Background 
An overview of the basics of public banking

Prospective Public Banking Programs.
Explores the various programs that can be administered by banks owned by the government and how they would benefit the citizens of that state.

A New Form of Public Banking. 
Introduces the idea of banks owned by benefit corporations rather than government or non-profit owned ones.

Public Banking A Tool For Fixing The Economy And The Means to Achieve It. 
Explores the benefits that can be provided by public banks. A public bank is a bank owned by either a government entity such as a country, state, county or city, or a non-profit organization (or both), rather than by private shareholders. Approximately 40% of all banking worldwide is done by public banks, but the U.S. is well below that number, with the Bank of North Dakota (BND) being one of the few examples. This article explores how the U.S. can substantially increase its number of public banks, to the benefit our local economies and the rest of the country.

Publicly Owned Banks: A Multi-Purpose Solution.
 Builds on the ideas presented by Ellen Brown concerning publicly owned banks, by advocating another approach to accomplishing the same goal using non-profit corporations as the owners of the bank, instead of the government. The purpose of such banks is to green our communities and our country.

Publicly Owned Banks: Two Approaches.
 Introduces the idea that public banks can be owned by governments and non-profits

Bank of North Dakota – BND focuses on lending that supports North Dakota’s economic priorities. 
 In 1919, residents of North Dakota were facing very similar economic conditions that plague the rest of the nation today. Popular consensus wanted state ownership and control of marketing and credit agencies. Thus, the state legislature established Bank of North Dakota (BND).  Today North Dakota, the only state in the nation with its own bank, has the healthiest economy in the country and boasts the lowest unemployment rate. This document explores the kinds of services BND provides and how they benefit the state.

Benefits to community banks of Bank of North Dakota model.
Details some of the key impact on community banks working under the BND structure.

BND maximizes the benefit of state resources on behalf of the state.
 Details some of the key benefits realized by the citizens of North Dakota as a consequence of the state owning its own bank.

Rescue and Recovery – Facilitating Economic Revival: An Opportunity for States and Community Banks.
This PowerPoint document explores the example of the Bank of North Dakota and its impact on the state and in particular its community banks and how that model can serve the needs of other states as well.

State Owned Banks – DBA vs. Separate Corporation, Regulatory Oversight and Risks. 
Explores the ramifications of a state choosing to establish its own state bank as a doing-business-as (DBA) arrangement, or by establishing a free standing corporation.

State Bank Relationships.
Diagrams the relationship with other parties in the state with a state bank formed as a DBA.

Public Banking And L3C. (low-profit limited liability companies).
Explores the result of the establishment of a public bank as a L3C: “The For-Profit LLC with the Non-Profit Soul”

Can Community Banks Be Saved?
 Community banks, vital to the health of local economies, are disappearing – in record numbers. This document explores a plan for rescuing them.

A Common Bank Holding Company For States, Counties & Cities: A Solution for Our Economic Problems.
 Explores the consequences of forming a public bank either as a stand-alone bank or one formed under a bank holding company.

How unions can seize financial control of their destiny.
Wall Street’s greed and excesses have decimated the financial portfolios of unions and other retirement funds. This document explores how unions can use their own bank to preserve and grow their pension funds and other funds.

Community Banks – Essential and Endangered.
Highlights key statistics from a 2012 FDIC Study of Community Banks, and shows that community banks are in steep decline in the U.S.

From Scarcity to Prosperity – The Critical Role of Community Banks. 
Explores the role of community banks in society and how their decline is having negative impact on communities everywhere. It then explores how public banking can reverse that trend and revive community banks and put them back on a healthy track.

Failed Banks, FDIC & Public Benefit Banks.
 Further explores the precipitous decline in the number of community banks in the U.S. and how public banking can reverse that.

Bank transactions and balance sheet tracking.
 Most people do not realize that banks create money when they make a loan. This magical sleight of hand was recently confirmed by The Bank of England, as can be seen in this video: Money creation in the modern economy and in this article: Money creation in the modern economy.  This document walks through the accounting of a loan transaction to demonstrate that this is true.

Presentation made by Michael Sauvante on “Foreclosures, Eminent Domain and Public Banking“
 Made at Public Banking in America Conference, Philadelphia, April 27, 2012