In this no-nonsense briefing, Clifford Ribner makes the constitutional case against the Federal Reserve — and why stripping its monopoly over money and restoring competitive, private banking under clear, common-law limits is the straightest path to sound money and real liberty.

Ribner shows how the Constitution’s money clauses never authorized a national paper-money machine, how Progressive-era court moves and agencies flipped that design, and why the Fed’s power structure doesn’t fit a republic where officials are elected — or accountable.

What you will see in this video

– The constitutional baseline: a federal government of limited, enumerated powers — with authority “to coin Money,” not to run a permanent central-bank monopoly over currency

– Article I, §10 and sound money: why the Founders barred states from making “any Thing but gold and silver Coin a Tender in Payment of Debts,” and what that reveals about the system they expected

– Commerce Clause, properly read: Madison’s “supervisory” power over interstate trade — not a license for Washington to micromanage every business contract in America

– Necessary & Proper, not a blank check: Hamilton vs. Jefferson on a bank — and why the First Bank’s narrow charter (with 20% federal ownership and no regulatory control over other banks) is nothing like today’s Fed

– What McCulloch v. Maryland really said: “the power to tax is the power to destroy” — and why that case does not authorize an independent, unaccountable monetary authority

– Wickard v. Filburn (1942): how “commerce” was expanded to swallow nearly any economic activity — the legal hinge for modern federal control

– 1913 as the turning point: creation of the Fed, the income tax, and the new regulatory apparatus — the birth of a centralized, fiat-money regime

– The administrative state problem: “independent” agencies exercising legislative, executive, and judicial power without direct electoral accountability — with the Fed as the model case

– Consequences you can feel: credit rationing, politicized finance, boom–bust cycles, and the long erosion of dollar purchasing power

– Lessons from paper-money history: why central banks over-issue — and why the Founders wanted durable value anchored outside politics

Why this matters to you
• Your savings & paycheck: Inflation is a policy choice; when money loses value, it quietly taxes every earner and saver
• Small business & credit: Centralized credit levers can starve lawful industries and entrepreneurs who don’t fit the day’s politics
• Energy, housing, and jobs: Markets work when capital can move freely to productive uses — not when regulators pick winners and losers
• Rule of law: In a republic, power must be exercised by elected, accountable officials — not by “independent” boards insulated from voters
• Stability over headlines: Sound money and clear constitutional limits beat ad-hoc interventions that swing markets and families’ plans

Clifford’s message is clear: end the Fed’s monopoly over money, restore the Constitution’s limits, return finance to competitive private hands under common-law rules, and put monetary power back under elected, accountable government. Free people don’t need a central bank to manage their lives — or their money.

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