Amadeo Giannini:
"...The bank was housed in a converted saloon directly across the street from the Columbus Savings & Loan as an institution for the "little fellow". It was a new bank for the hardworking immigrants other banks would not serve. He offered those ignored customers savings accounts and loans, judging them not by how much money they already had, but by their character..."
That bank became Bank of America.
This 'you can't start something out of your garage without regulation' assumption-crap has to stop.
It just does.
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