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Money & Banking

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System Change magazine highlights a year of bold ideas

The Democracy Collaborative and the Next System Project has published System Change, a magazine that captures the bold ideas and groundbreaking work of our leaders and scholars in 2019. read more
A private bank note from the 19th century

Money in the US: A Timeline

Money is a work in progress, not an immutable fact of nature. read more
A US Green Investment Bank for All: Democratized Finance for a Just Transition

A US green investment bank for all: Democratized finance for a just transition

In ways unimaginable just a few years ago, public banking and its potential for catalyzing a transition to a green and just future have been catapulted to the center of political and economic debate. read more
Tools are hung on a wall of a workshop with different colors overlapping over them.

Election-year debate: “Wish-list economics” or necessary transformation?

The Democracy Collaborative weighs in on “wish-list economics,” making the case that in the face of extreme crises radical solutions are practical solutions. read more

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A satellite view of the US at night

The Index of Systemic Trends

One of the signs that a crisis is systemic, rather than purely political or economic, is that key indicators decline or stay the same regardless of changes in political power or business cycles. This first edition of the Index of Systemic Trends is an effort to quantify, track, and visualize this crisis. It shows the need to move in the direction of a new system that can and will produce better outcomes. read more
Community Reinvestment Act

A next system of community investment: Community Reinvestment Act reform in the 21st century

The Community Reinvestment Act was passed by Congress in 1977 to spur lending and investing in communities of color and lower-income neighborhoods. What updates would be needed to continue to meet this mandate and support community wealth building? read more
The sun setting with an ocean-based oil rig on the horizon

Quantitative Easing for the Planet

To keep carbon safely in the ground, the government should secure control of fossil fuel reserves by promoting a federal buyout of the top US-based, publicly-traded fossil fuel companies, using the power of the Federal Reserve to deploy newly created money into the financial system. By focusing on major companies in the first links of the fossil fuel supply-chain, the federal government could detach growth- and profit-driven interests from reserves and halt otherwise inevitable extraction. read more

The Crisis Next Time: Planning for Public Ownership as an Alternative to Corporate Bank Bailouts

When the next financial crisis hits, we need to be ready for more than another round of no-strings-attached bailouts and weak regulations that corporate finance can roll back a few years later. It’s time to put permanent public ownership on the table as a policy option for how we rescue banks that are still too big to fail. read more