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# Oregon Public Bank Alliance

## Sitemaps

- [XML Sitemap](https://www.orpublicbank.org/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Public Bank Articles](https://www.orpublicbank.org/articles/)
- [Lawmakers consider state bank for Oregon](https://www.orpublicbank.org/articles/lawmakers-consider-state-bank-for-oregon/) - Oregon Sen. Jeff Golden (D-Ashland) has proposed legislation this session that would reintroduce a state bank concept for Oregon. Senate Bill 339 would establish the Bank of the State of Oregon and provide more significant support for community banks and credit unions. If created, the state bank would be guided by an advisory board of directors in its management and operation, and would be subject to a mandatory audit by the secretary of state. As of Monday, the bill had not progressed beyond Finance and Revenue Committee, where it was referred on Jan. 19.
- [SF draws closer to a public bank with widely supported reinvestment ordinance](https://www.orpublicbank.org/articles/sf-draws-closer-to-a-public-bank-with-widely-supported-reinvestment-ordinance/) - As businesses and workers around San Francisco struggle to keep up with the continually ballooning costs of the Bay Area and maintain economic stability in the throes of a pandemic, members of the Board of Supervisors are pushing to establish a public bank.
- [Bill Could Allow OR Cities to Create Their Own Banks](https://www.orpublicbank.org/articles/bill-could-allow-or-cities-to-create-their-own-banks/) - Oregon lawmakers want cities to be allowed to put their cash in banks other than large, for-profit institutions. Bills in the Legislature -- Senate Bill 339 and House Bill 2743 -- would enable municipalities to create public banks, which are owned and run by a state or municipality. James Davis, who chairs the Oregon Public Bank Alliance, said cities then could deposit their reserves somewhere besides big banks. He said that would create the capacity for public municipal banks to provide bigger loans and bonding for cities when they want to build infrastructure, such as buildings and bridges.
- [FDR Knew Exactly How to Solve Today’s Unemployment Crisis](https://www.orpublicbank.org/articles/fdr-knew-exactly-how-to-solve-todays-unemployment-crisis/) - on FDR Knew Exactly How to Solve Today’s Unemployment Crisis A self-funding national infrastructure bank modeled on the “American System” of Alexander Hamilton, Abraham Lincoln, and Franklin D. Roosevelt would help solve not one but two of the country’s biggest problems.
- [Why Chicago should start a public bank](https://www.orpublicbank.org/articles/why-chicago-should-start-a-public-bank/) - Arresting poverty, inequality and the racial wealth gap requires this genuinely transformational tool.
- [JPMorgan Chase Bank Wrongly Charged 170,000 Customers Overdraft Fees. Federal Regulators Refused to Penalize It.](https://www.orpublicbank.org/articles/jpmorgan-chase-bank-wrongly-charged-170000-customers-overdraft-fees-federal-regulators-refused-to-penalize-it/) - Federal bank examiners considered levying fines and sanctions when JPMorgan Chase informed them last year that faulty overdraft charges caused by a software glitch had impacted roughly 170,000 customers.
- [Why the Fed Needs Public Banks](https://www.orpublicbank.org/articles/why-the-fed-needs-public-banks/) - The Fed’s policy tools – interest rate manipulation, quantitative easing, and “Special Purpose Vehicles” – have all failed to revive local economies suffering from government-mandated shutdowns. . The Fed must rely on private banks to inject credit into Main Street, and private banks are currently unable or unwilling to do it. The tools the Fed actually needs are public banks, which could and would do the job.
- [Should Rochester have a Publicly-owned Bank?](https://www.orpublicbank.org/articles/should-rochester-have-a-publicaly-owned-bank/) - Could or should Rochester have a publicly-owned bank? As reported by Gino Fanelli for CITY Newspaper, "the idea would have the city take the millions of dollars in tax revenue it currently deposits in big commercial banks and park the money in a city-owned and -operated financial institution that would invest in the local economy by providing inexpensive and accessible financing to city businesses, developers, and would-be homeowners."
- [The Climate Circus](https://www.orpublicbank.org/articles/the-climate-circus/) - On Friday, the Comptroller of the Currency, Brian Brooks, proposed a new rule that would prohibit banks from refusing to lend to “entire categories” of lawful businesses. It is, Brooks explained, an attempt to stop the “weaponization of banking,” insuring fair access to loans for controversial businesses. He cited private prisons and weapons manufacturers as possible beneficiaries, but there can be no doubt about another reason for the rule (which may or may not have time to take effect before the Trump Administration departs): activists have begun persuading banks to stop some of their massive lending to the fossil-fuel industry.
- [Credit Unions in New Mexico ENDORSE Public Banks](https://www.orpublicbank.org/articles/credit-unions-in-new-mexico-endorse-public-banks/) - New Mexico’s Alliance for Local Economic Prosperity announced that the Credit Union Association of New Mexico, a statewide trade organization that advocates for credit unions, has formally endorsed a public bank for NM. This is a key endorsement and bolsters the group’s growing alliance to advance upcoming legislation that will be introduced in 2021.
- [The One-Chart Summary Of All That Is Wrong With The US Financial System: Deposits Over Loans](https://www.orpublicbank.org/articles/the-one-chart-summary-of-all-that-is-wrong-with-the-us-financial-system-deposits-over-loans/) - Now that the big banks have concluded their earnings season, with the top highlight being the collapse in loan loss reserve builds from $33 billion in Q2 to just $5 billion in the quarter ended Sept 30.... in what some have taken as a vote of confidence for the economy as bank risk managers clearly don't anticipate another sharp leg lower in the economy (that may change if a second wave of covid forces new shutdowns), we can take a closer look at some of the other, just as notable observations within the US financial sector.
- [The idea, dubbed Project Turnkey, would offer up $65 million to turn distressed hotels and motels into shelters.](https://www.orpublicbank.org/articles/the-idea-dubbed-project-turnkey-would-offer-up-65-million-to-turn-distressed-hotels-and-motels-into-shelters/) - Oregon lawmakers on Friday approved $30 million to turn hotels into shelter space in wildfire-affected areas — less than half of the money initially sought in a strikingly contentious and emotional committee hearing.With many Democrats urging swift action as wildfires and a pandemic have exacerbated an existing shortage of shelter beds, two prominent Democratic Senators wound up siding with Republicans to block another $35 million that could have been used to site shelters more broadly.
- [After the Coronavirus Pandemic, Let Public Banks Lead the Rebuilding](https://www.orpublicbank.org/articles/after-the-coronavirus-pandemic-let-public-banks-lead-the-rebuilding/) - The pandemic has laid bare the failure of the federal government to justly deal with the economic fallout wrought by a disaster. Public banks at the state and local level could have helped our country get through the pandemic, and they could be vital in our recovery. Public banks can provide a financial bulwark in our federal system by supporting local banking systems. They achieve this both by providing banking services to state and local governments and by financing credit programs to assist those most harmed by disasters, who are inevitably part of our most disadvantaged communities.
- [Public Banking Could Create an Opportunity to Advance Portland City's Affordability Policies](https://www.orpublicbank.org/articles/public-banking-could-create-an-opportunity-to-advance-portland-citys-affordability-policies/) - In early 2019 Common Ground OR/WA engaged the Northwest Economic Research Center (NERC) at Portland State University to conduct a study of the effects of land value taxation in two contrasting Portland communities. The NERC study clearly reveals inequities caused by the tax assessment limitation mandated by Measure 50 that have compounded over the past 22 years. Among the parcels analyzed in the Inner Northeast (INE), the maximum assessed value (MAV) is only 29 percent of real market value (RMV); in Outer Southeast (OSE), the MAV/RMV ratio is a higher 55 percent – closer to true market value. This means OSE properties that have grown in real value at a slower rate are subject to a higher effective tax rate ($12.17 per 1,000 MAV) under the current tax system than INE properties ($7.29 per 1,000 MAV). For example, a $500,000 home at maximum assessed value located in INE is subject to a property tax of about $4,700; an equivalent property located in OSE would experience a tax of about $6,000. Property owners in OSE are making up the difference for the below market-based tax levies owed by INE owners.
- [The Fed Is A ‘Development Bank’ – Make It Our Development Bank Again](https://www.orpublicbank.org/articles/the-fed-is-a-development-bank-make-it-our-development-bank-again/) - Here’s something you might not have known. The Fed is a national development bank – our national development bank. Its mandate originally was and remains that of a facilitator of local business and productive community bank lending across the entire nation, not a bottomless liquidity hole for Wall Street high rollers.
- [Despite Billions in Fees, Banks Predict Meager Profits on P.P.P. Loans](https://www.orpublicbank.org/articles/despite-billions-in-fees-banks-predict-meager-profits-on-p-p-p-loans/) - Loath to be seen profiting from the economic disaster caused by the coronavirus, the nation’s biggest banks were quick to pledge that they would donate to charity any money earned from helping deliver the government’s signature small-business relief plan. That promise may be something of a mirage.
- [State bill would establish California public bank for coronavirus relief](https://www.orpublicbank.org/articles/state-bill-would-establish-california-public-bank-for-coronavirus-relief/) - Under the terms of new state legislation announced Thursday, a California public bank would be established to help with a more equitable economic recovery from the Covid-19 crisis. Assembly Bill 310, authored by Assembly Members Miguel Santiago, D-Los Angeles, and David Chiu, D-San Francisco, would relocate “idle” funds from the state’s “checking account” into the California Infrastructure and Economic Development Bank, or IBank, by moving 10% of the state’s Pooled Money Investment Account (PMIA) into the IBank’s loan fund. The PMIA is essentially an investment vehicle for taxpayer money used by the state treasurer to manage the state’s cash flow. Using these funds and expanded authority under the legislation, the IBank would be able to directly lend funds and offer credit to community banks, credit unions, municipalities and small businesses struggling because of the economic downturn...
- [Supporters make case for public banking in Connecticut](https://www.orpublicbank.org/articles/supporters-make-case-for-public-banking-in-connecticut/) - As Connecticut reckons with the economic impact of the COVID-19 pandemic, lawmakers and community organizers have returned to the idea of public banking as a possible saving grace. Public banks — described as “operated in the public interest” and “owned by the people through their representative governments” by the Public Banking Institute, or PBI — are not an unfamiliar concept to the Connecticut legislature. Multiple bills to establish such banks, or to study the feasibility of doing so, have been introduced without success in the past five years.
- [‘You’re Cornered if You’re a City.’ How Concentration in the Municipal Bond Market Is Raising Borrowing Costs.](https://www.orpublicbank.org/articles/youre-cornered-if-youre-a-city-how-concentration-in-the-municipal-bond-market-is-raising-borrowing-costs/) - Cities and states are in a fiscal crisis. Municipal bond defaults are now at their highest in a decade. Despite a $500 billion Federal Reserve intervention, with more potentially on the way, regulators have yet to address a longstanding structural problem—a group of the nation’s biggest banks that has cornered the market for municipal bond underwriting. This concentration of power has the potential to raise the interest rates on the bonds local governments urgently need to salvage their finances and the costs could be in the billions. While some municipalities will default on their debt, others will need to increase borrowing to continue providing public services. But the structural issues in the municipal-bond market could make borrowing costlier and alternatives are needed.
- [What a Public Bank Can Do for Real People](https://www.orpublicbank.org/articles/what-a-public-bank-can-do-for-real-people/) - The little city of Hazen, North Dakota, population 2,300, is the kind of town where farming and ranching families often have a second income from a job at a power plant or a coal mine. As a teenager, Christie Obenauer, née Huber, frequently made the hourlong drive from Hazen to Bismarck, the state capital, to go shopping with her sister. On the way, they’d usually make a stop to run an errand for their dad, who ran Union State Bank of Hazen.
- [Advocates say a Philly public bank could be key to addressing systemic racism](https://www.orpublicbank.org/articles/advocates-say-a-philly-public-bank-could-be-key-to-addressing-systemic-racism/) - Amid the economic fallout of the COVID-19 pandemic, which has exposed systemic inequities, some say a public bank could be a key asset to Philadelphia’s financial recovery.
- [How Public Banks Benefit... the Public](https://www.orpublicbank.org/articles/how-public-banks-benefit-the-public/) - Every year, billions of dollars of public money flow through banks. Wallstreet Megabanks, often accused of prioritizing shareholder profits, control a total of $509 Billion in deposits and $4.3 Trillion in state and local pensions. Advocates for public banks want more of that money to benefit the community.
- [To Keep the Economy Afloat, the Fed Turns to North Dakota](https://www.orpublicbank.org/articles/to-keep-the-economy-afloat-the-fed-turns-to-north-dakota/) - Bankers generally don’t like surprises. But as CEO at the Bank of North Dakota, the only state-owned bank in the country, Eric Hardmeyer was pleasantly surprised to see the Federal Reserve taking a page out of his institution’s playbook to help deal with the unprecedented economic disruption from the COVID-19 pandemic.
- [The crucial first step toward giving control of City’s money back to the people](https://www.orpublicbank.org/articles/the-crucial-first-step-toward-giving-control-of-citys-money-back-to-the-people/) - It has been over a decade since the financial markets crashed in 2008, spurring foreclosure of homes, job loss for millions and economic destitution for many. The effects of this crisis are still being felt by working Americans, but for Wall Street these effects are spelled with a dollar sign.
- [North Dakota businesses dominated the PPP. Their secret weapon? A century-old bank founded by radical progressives.](https://www.orpublicbank.org/articles/north-dakota-businesses-dominated-the-ppp-their-secret-weapon-a-century-old-bank-founded-by-radical-progressives/) - In the first few chaotic weeks of the Paycheck Protection Program, federal officials and banks throughout the country struggled to get bailout funds to small businesses as layoffs and furloughs climbed into the tens of millions. But there was one exception, a place where loans found their mark more quickly than any other: North Dakota....What’s their secret?
- [Readers respond: A state bank would help our economy](https://www.orpublicbank.org/articles/readers-respond-a-state-bank-would-help-our-economy/) - News reports detail how the Main Street Lending Program and the Paycheck Protection Program, the Fed’s programs to assist small- and medium-sized business, have failed in their missions. This is partly because the private banks’ participation in the programs was optional, creating confusion for those applying. Loan-seekers had to search for a participating bank, then try to figure out how to apply for the programs. Many banks did not even know the programs existed.
- [Could California’s Public Banks Finance a Statewide Green New Deal?](https://www.orpublicbank.org/articles/could-californias-public-banks-finance-a-statewide-green-new-deal/) - After years of claiming to be a leader in climate action, California might be finally starting to step into its promised role — and it is bringing a secret weapon to the challeng
- [Public banking would help speed the economic recovery from COVID-19](https://www.orpublicbank.org/articles/public-banking-would-help-speed-the-economic-recovery-from-covid-19/) - At least 90 percent of the nation’s cities are facing a budget crisis because of the economic shutdown in response to the COVID-19 pandemic, according to a mid-April report by the U.S. Conference of Mayors and the National League of Cities. Because municipal governments cannot run deficits, they will have to respond by cutting staff and programs, which will worsen the economic conditions of the cities they serve.
- [100 Years Ago, Farmers and Socialists Established the Country’s First Modern Public Bank](https://www.orpublicbank.org/articles/100-years-ago-farmers-and-socialists-established-the-countrys-first-modern-public-bank/) - One hun­dred years ago July 28, a bank in Bis­mar­ck, N.D., opened its doors for the very first time. This would have been an unre­mark­able event, like­ly lost to his­to­ry, except for the fact that it was a pub­lic bank, owned by all the res­i­dents of the state. A cen­tu­ry on, the Bank of North Dako­ta (BND) is still the only pub­licly owned bank in the con­ti­nen­tal Unit­ed States (a sec­ond pub­lic bank was recent­ly estab­lished in Amer­i­can Samoa) — though poten­tial­ly not for long.

## Pages

- [Home](https://www.orpublicbank.org/) - We are still working to bring public banking to Oregon. We will have a new website up in early August. The information available here may be outdated, but it is still useful for understanding the basic concepts of public banking. To get involved, sign up for our newsletter below. Thanks so much, The Oregon Public
- [Cities](https://www.orpublicbank.org/cities/) - Nationwide, states and cities spend $160 BILLION annually in interest for the money they borrowed. Public banks are a systemic shift away from dependence on Wall Street’s private capital markets and offer a breakthrough for government leaders who realize that this level of debt service is unsustainable and unhealthy for our economy. Action Center on
- [Thanks](https://www.orpublicbank.org/thanks/) - THANK YOU!!! We couldn't have done this without YOU! There is no way we can adequately thank all of our volunteers, other than for them to know their work may ultimately benefit hundreds of thousands (and potentially millions) of Oregonians whom they will never meet. That said, we still want to express our deepest appreciation
- [Helpful Files](https://www.orpublicbank.org/files/) - Helpful Files Simple one-page flyerList of SupportersModel Resolution of SupportHow Municipal Banks Benefit CitiesBenefits for Credit UnionsDifference between Municipal Banks and Credit UnionsFinancing Options for CitiesHermiston Public Bank ScenarioInfrastructure Financing Case Study (Narrative)OPBA Flyer I wish my city of Florence had started a municipal bank when I was mayorbecause of what a valuable asset for
- [Credit Unions](https://www.orpublicbank.org/credit-unions/) - Credit Unions across the US support Public Banks As states across the US pursue and pass public bank bills, Credit Unions are recognizing the added value public banks bring not only to regional economic stability but also to their own ability to make loans and increase their business. It is common for community banks and
- [Supporters](https://www.orpublicbank.org/supporters/) - A municipal bank makes so much sense - we can actually benefit from OUR money! Bill Bradburry Former Oregon Secretary of State Endorsing Organizations: Endorse Public Banks in Oregon 350PDX Alliance for Democracy Angry Grandparents Against High Stakes Testing Climate Jobs PDX Common Ground OR-WA Communications Workers of America (CWA) District 7 Community Rights US
- [Videos](https://www.orpublicbank.org/videos/) - Videos from the Public Bank Institute
- [Around the Country](https://www.orpublicbank.org/us-2/) - Public Bank Initiatives Around the Country Public banking serves as a powerful tool to keep taxpayer dollars in local communities. Cities and counties hold billions of dollars of public money in Wall Street banks. Legally, these corporate banks own and control this money which they have used to finance harmful industries including: private prisons, immigrant
- [Petition](https://www.orpublicbank.org/petition/) - Please Sign our Petition! With local and state budgets strained by health and economic crises, we ask our legislators to help municipalities across Oregon harness proven tools to stretch our tax dollars and create economic stability in our communities. (Click arrows > for details) We support the creation of public banks in Oregon! Please Support
- [Resources](https://www.orpublicbank.org/resources/) - Legislation Legislation has been introduced in the House as HB 2743 Videos from the Public Bank Institute Public banking serves as a powerful tool to keep taxpayer dollars in local communities. Cities and counties hold billions of dollars of public money in Wall Street banks. Legally, these corporate banks own and control this money which they
- [Member Info](https://www.orpublicbank.org/member-info/) - Info for Legislators We held dozens of meetings with legislators, and for the most part, there are five areas of interest that most legislative members want to know about:What does this bill doWhich members support this billDo credit unions support this billWould this bill benefit their districtWhat organizations and local leaders support itRather, the page
- [Research](https://www.orpublicbank.org/research/) - Research Team Reports - For Sharing This page only viewable by team members. If you are part of the OPBA Core Team, please contact the Admin to gain access.
- [Public Banks across the US](https://www.orpublicbank.org/us/) - Public Bank Developments across the US OR CA NJ NY OR Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. CA The California Public Banking Act here:https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200AB857 NJ Tab Content NY Tab Content
- [Links](https://www.orpublicbank.org/links/) - Some Useful Links/Resources List of Lobbyists https://www.oregoncapitolclub.org/industry/]Cancel Wall Streethttps://acrecampaigns.org/wp-content/uploads/2020/09/CancelWallStreet_4-Sep2020.pdf Public Bank Institute Coalition Calls – Recordings
- [FAQ](https://www.orpublicbank.org/faq/) - Frequently Asked Questions What benefits do public banks provide? Public banks provide many benefits for OregonKeeps our money local—big banks take our money out of state. Reduces financing costs of public projects––leaving more money available for the projects.Revitalize the local economy by partnering with community banks and credit unions to make loans available to small- and
- [Questions](https://www.orpublicbank.org/question/) - This page only viewable by team members. If you are part of the OPBA Core Team, please contact the Admin to gain access. Legislator Questions Submit Question [ultimate-faq-search] Put proposed answers in the Comments box. Thanks! [ultimate-faqs] Submit a Question [submit-question]
- [Logged](https://www.orpublicbank.org/logged/) - Logged Out These pages are for Core Team members only to coordinate our work to bring public banking to Oregon. If you are a member of the Core Team and just created your account, you should be granted access in the next 24 hours. If you are not a team member and are interested in joining our team, please
- [Bill](https://www.orpublicbank.org/bill/)
- [FAQ Test](https://www.orpublicbank.org/faq-test/) - [ultimate-faq-search]
- [Member Outreach](https://www.orpublicbank.org/outreach/) - You can work on this document externally at HERE.
- [Privacy Policy](https://www.orpublicbank.org/privacy-policy/) - Who we are Our website address is: https://www.orpublicbank.org. What personal data we collect and why we collect it Comments When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from
- [Outreach Materials](https://www.orpublicbank.org/materials/) - Outreach Materials This page only viewable by team members. If you are part of the OPBA Core Team, please contact the Admin to gain access.
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- [Forum](https://www.orpublicbank.org/forum/) - Team Discussion Forum This Forum only available to team members.
- [Calendar](https://www.orpublicbank.org/calendar/) - This page only viewable by team members. If you are part of the OPBA Core Team, please contact the Admin to gain access.
- [Submit Public Bank Article](https://www.orpublicbank.org/submit-public-bank-article/) - Submit Public Bank Articles Below To submit an article for consideration on our articles page, simply enter the URL or web address where the artcile can be viewed in the box below and hit “Submit.” Thank you!
- [Team List](https://www.orpublicbank.org/team/) - Core Team This page only viewable by team members. If you are part of the OPBA Core Team, please contact the Admin to gain access.
- [Endorse the OPBA](https://www.orpublicbank.org/endorse/)

## Posts

- [](https://www.orpublicbank.org/articles/seedprod/2781/) - Coming Soon Thanks for your interest in the effort to bring public banking to Oregon. We’ll have a brand new page up in a few weeks. Until then, you can learn more about public banking from the Public Banking Institute.

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