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Description
MOSAIC America's Bank: The Epic Struggle to Create the Federal ReserveA tour de force of historical reportage, Americas Bank illuminates the tumultuous era and remarkable personalities that spurred the unlikely birth of Americas modern central bank, the Federal Reserve. Today, the Fed is the bedrock of the financial landscape, yet the fight to create it was so protracted and divisive that it seems a small miracle that it was ever established. For nearly a century, America, alone among developed nations, refused to
A tour de force of historical reportage, America’s Bank illuminates the tumultuous era and remarkable personalities that spurred the unlikely birth of America’s modern central bank, the Federal Reserve. Today, the Fed is the bedrock of the financial landscape, yet the fight to create it was so protracted and divisive that it seems a small miracle that it was ever established.For nearly a century, America, alone among developed nations, refused to consider any central or organizing agency in its financial system. Americans’ mistrust of big government and of big banks—a legacy of the country’s Jeffersonian, small-government traditions—was so widespread that modernizing reform was deemed impossible. Each bank was left to stand on its own, with no central reserve or lender of last resort. The real-world consequences of this chaotic and provincial system were frequent financial panics, bank runs, money shortages, and depressions. By the first decade of the twentieth century, it had become plain that the outmoded banking system was ill equipped to finance America’s burgeoning industry. But political will for reform was lacking. It took an economic meltdown, a high-level tour of Europe, and—improbably—a conspiratorial effort by vilified captains of Wall Street to overcome popular resistance. Finally, in 1913, Congress conceived a federalist and quintessentially American solution to the conflict that had divided bankers, farmers, populists, and ordinary Americans, and enacted the landmark Federal Reserve Act.
Roger Lowenstein—acclaimed financial journalist and bestselling author of When Genius Failed and The End of Wall Street—tells the drama-laden story of how America created the Federal Reserve, thereby taking its first steps onto the world stage as a global financial power. America’s Bank showcases Lowenstein at his very finest: illuminating complex financial and political issues with striking clarity, infusing the debates of our past with all the gripping immediacy of today, and painting unforgettable portraits of Gilded Age bankers, presidents, and politicians.
Lowenstein focuses on the four men at the heart of the struggle to create the Federal Reserve. These were Paul Warburg, a refined, German-born financier, recently relocated to New York, who was horrified by the primitive condition of America’s finances; Rhode Island’s Nelson W. Aldrich, the reigning power broker in the U.S. Senate and an archetypal Gilded Age legislator; Carter Glass, the ambitious, if then little-known, Virginia congressman who chaired the House Banking Committee at a crucial moment of political transition; and President Woodrow Wilson, the academician-turned-progressive-politician who forced Glass to reconcile his deep-seated differences with bankers and accept the principle (anathema to southern Democrats) of federal control. Weaving together a raucous era in American politics with a storied financial crisis and intrigue at the highest levels of Washington and Wall Street, Lowenstein brings the beginnings of one of the country’s most crucial institutions to vivid and unforgettable life. Readers of this gripping historical narrative will wonder whether they’re reading about one hundred years ago or the still-seething conflicts that mark our discussions of banking and politics today.
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4.7 ★★★★★
Based on 22 reviews
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Product Reviews
★★★★★ 5
It will shine/glitter up your world.
Color: Silver
My daughter loves this. She has me buy her one every Christmas and uses it to shimmer up everything! Mists out fine particles of glitter as a big poof. It does tend to get everywhere. More even when applying, unlike the brush on applicating ones.
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Reviewed in the United States on March 20, 2026
★★★★★ 5
Absolutely good body glitter.
Color: Green
Applies ever so prettily and looks gorgeous against the skin. Easy to use and sparkles for ever. Will stick better if skin is a bit slict, wet, or moist. But still stays on dry skin.
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Reviewed in the United States on August 2, 2025
★★★★★ 4
Good quality
Color: Gold
The Etercycle Hair Glitter Spray in Gold is an absolute must-have for girl moms! My daughters love it, and it instantly adds sparkle to their hair and outfits without being too heavy or sticky. The spray goes on evenly, dries quickly, and washes out easily, which is a huge bonus for me.
We’ve used it for birthdays, school spirit days, playdates, and even just for fun around the house—it’s perfect for any occasion where a little extra sparkle is needed. The gold shimmer looks beautiful in both hair and on skin, making it super versatile.
If you’re looking for a fun, safe, and easy way to add some magic and sparkle to your kids’ look, this glitter spray is a winner. Definitely keeping this on hand for all our special moments! ✨
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Reviewed in the United States on September 23, 2025
★★★★★ 5
So sparkly
Color: Gold
This works so good. I like my glitter to stick all over my body and this will stick as long as you rub it in a little. But there is alot of fallout so be careful where you spray it
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Reviewed in the United States on April 7, 2026
★★★★★ 5
Recommend!
Color: Silver
This product is amazing and highly recommended by me to all my friends!
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Reviewed in the United States on March 26, 2026
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