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Ngeorgak, thanks for taking an interest in the issue. You are right that these articles both need to exist and should not be merged. There is still a problem, however. The problem is thatBanking in the United States ("BUS") should only contain a summary of US banking history, and a detailed account should appear inHistory of Banking in the United States ("HBUS"), whereas in fact the level of detail in BUS is the same as if notmore than that in HBUS. I think what needs to be done is:
Compare history in BUS with contents of HBUS, and move any stuff that is in BUS but not HBUS into HBUS.
Replace the history sections of BUS (i.e. "History" to "Late-2000s financial crisis") with a much briefer summary of US banking history (headed by a "main article" reference to HBUS, as at present).
Reasons: (1) avoid repetition, (2) avoid inconsistencies, (3) avoid need to edit both pages if any change is made to banking history.Wildfowl (talk)19:34, 25 February 2015 (UTC)[reply]
Section "Early attempts to create a national bank"
"The funds deposited are no longer the property of the customer. The funds become the property of the bank, and the customer in turn receives an asset called a deposit account. That deposit account is a liability on the balance sheet of the bank. Each bank is legally authorized to issue credit up to a specified multiple of its reserves, so reserves available to satisfy payment of deposit liabilities are less than the total amount which the bank is obligated to pay in satisfaction of demand deposits. According to the Board of Governors, the Federal Reserve is independent within government in that "its decisions do not have to be ratified by the President or anyone else in the executive or legislative branch of government. The legislation provided for a system that included a number of regional Federal Reserve Banks and a seven-member governing board. All national banks were required to join the system and other banks could join. Congress created Federal Reserve notes to provide the nation with an elastic supply of currency. The Dodd–Frank Wall Street Reform and Consumer Protection Act is the most sweeping change to financial regulation in the United States since the Great Depression and represents a significant change in the American financial regulatory environment affecting all Federal financial regulatory agencies and affecting almost every aspect of the nation's financial services industry."
Sorry about that, but I felt it was in the wrong place (and didn't have a citation), so I thought it would be best to discuss it here. What I want to discuss is whether that section is the best place for the text. Maybe there are other follow-on questions to be asked after we've addressed that.Wildfowl (talk)22:36, 11 December 2014 (UTC)[reply]
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