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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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Product Reviews
★★★★★ 5
Nice quality, looks brand new even with daily use! Worth it!
Size: 6 Panel, Color: White
I got the Rose Home 6 panel room divider folding privacy screen and I LOVE it. I use it every day - extending it out to both block the sun, provide a backdrop for my plant wall, use as a backdrop for zoom calls, create privacy at night in front of the big windows and clear doors, and make impromptu study privacy walls in the office. This 6-panel has been the GOAT! Even though the screen is made of a woven paper material, it is still going strong despite daily use and has NOT broken anywhere. The frame is taller than other folding screens I've purchased and this one is also heavier and sturdy. Additionally the hinges fold open in BOTH directions (some screens only fold open in 1 direction like a Z). I use the folding screens indoors, but they have no issue with the AC or fans for wind resistance indoors. Sometimes I use them to hide storage or junk in the corner and make the room look neater. I also have a different brand that is the same material but has 8 panels and I love them both. I got 2 others that were made from synthetic canvas webbing belt/leash fabric and those break so fast - I just had to throw 1 away. This one is worth the money, even after daily use, it looks brand new!
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Reviewed in the United States on January 7, 2026
★★★★★ 5
Already assembled!
Size: 8 Panel, Color: Natural
Came way sooner than the estimated delivery date and it looks awesome! Biggest plus is it came ALREADY ASSEMBLED! I was expecting self assembly but maybe that's on me for not reading the specifics. Hoping it's the right size for my new studio apartment. So far the look and functionality is 10/10
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Reviewed in the United States on December 17, 2025
★★★★★ 5
buen producto
Size: 6 Panel, Color: Dark Coffee
Me encanta mi biombo , lo compre porque no me cabe las prendas de vesir que tengo en el colgadero y el closet no me es suficiente.Puse el colgadero detras del biombo y no se nota nada , me gusta mucho. Buen material y firme
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Reviewed in the United States on February 18, 2026
★★★★★ 4
Nice product!
Size: 8 Panel, Color: Black
It looks great just like the picture and it's is good material. Could be a little more sturdy but overall I am pleased with the purchase.
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Reviewed in the United States on March 22, 2026
★★★★★ 5
Light weight & Sturdy
Size: 6 Panel, Color: Dark Coffee
I am so pleased with them. My lanai gets morning sun and I am concerned about the UV rays fading the
fabric of my furniture No more having to cover each piece at night. The screens are great.
Thank YOU
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Reviewed in the United States on November 10, 2025