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A variety of sources have been used, selected based on their academic contribution and relevance to the subject.
Historical Perspective
The Federal Reserve System was founded in 1913 by Congress, as a much needed solution to the unrestricted waves of financial panics, bank failures, and business bankruptcies that had plagued the nation. Specifically, the role of the Federal Reserve in the payment system emerged out of the ashes of the 1907 crisis, when widespread payment disruptions occurred, due to some banks and clearinghouses refusal to clear checks drawn on other banks. It became evident therefore that establishing a nationwide check-clearing system was critical to providing not only an elastic currency, but also an efficient and equitable check-collection system...
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