Whats needed for Independent Voters to End Criminal Banking?


     Lobbyist spend 3 billion dollars to control Congress and

     our elected support their financial benefactors.  


       Replace the Wall Street controlled Congress using  VOTER  TERM LIMITS.  

      Independent Voters make up 45% and many join a Wall Street  party to vote for what         they believe to be the best of two evils (Last presidential election).  If we turn over the       House of Representatives every term limits it reduces

       (a)  Party line voting,

       (b)  Lobbyist Pay to Play,

       (c)  Spending 30% of their time campaigning,

       (d)  Selling us out for campaign funding. 

​This is a WIN - WIN for the American people.  Not so much for the Banksters.

​​​“I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered. The issuing power should be taken from the banks and restored to the people, to whom it properly belongs.”


Thomas Jefferson's warning came true.  It's time for Independent Voters to End Criminal Banking controlling our Congress and harming the majority.

Why we need Independent Voters - Against criminal banking. This page helps citizens understand  the importance of  changing the banking system corrupting congress and the need for cutting up Credit Cards using  South Dakota's usury laws (26% interest).  



comments as to why we must break up big banks

Independent Voters to End Criminal Banking


​provides the best reason for Independent voters - Against Criminal Banking exposing our governments Citygroup bailout Provision



After watching above - Do you believe people in other countries would bank with Citigroup?

​Do you agree that it's time for Independent Voters to end criminal banking.

Do you believe Europeans would use banks (typical to Bank of America, Chase, or CitiGroup) if they defrauded every citizens in their country over $46,000, diminished their quality of life and harmed their children's future. Would they cut up their credit cards and never use these banks? If this website helps you understand why WE THE PEOPLE - Independent Voters to End Criminal Banking need to change our banking system please share it with others. 

Independent Voters - Against Criminal Banking (Change needed) 


Article 2.

The Federal Reserve shall be made part of the United States Treasury and no longer managed by an elite group of insider bankers supporting their own financial interests.

Financial Institutions lobbying congress for legislation harming the General Public shall be dissolved. Banks committing fraud against the American public through speculation shall be seized and the Sherman Anti-Trust Act enforced.

Through legislation the Federal Government shall enforce Federal Reserve 16 Trillion dollar secrete banking bailout profits used for speculation and growth as misuse of public funds, to be considered ill gotten gains and forfeited.

The usury laws of each state shall be upheld to prevent banks from using the Non-usury State of South Dakota for overcharging the American public on credit cards.

Congressional Reform Act 2020 Article 2 removes Wall Street fraud and control over Congress. All monies gained through speculative and manipulation of markets using the people’s money by private parties or financial institutions are ill gotten gains and it belongs to the American people. It shall be seized and returned to the United States Treasury. The Federal Reserve is managed by parties involved with promoting banking malfeasance and must be dissolved. The federal government will protect banking customers from unfair usury laws designed to financially harm the American public.

Independent Voters - Against Criminal Banking

Independent Voters - Against Criminal Banking can overcome


(Understanding our financial  failings)


Forced First Federal Reserve Audit - 




​​​​INDEPENDENT VOTERS - Against Criminal Banking:

The need for Independent Voters Against Criminal Banking was reflected on August 5, 2011, when Standard and Poor's downgraded our country's "gold standard" credit rating from AAA for the first time. Therating agency concluded that America's political institutions and policymakers (the Congress and Administration) were "ineffective," "unstable," and "unpredictable."

The job approval rating for Congress has dropped  below 10% and 62% of today's voters would opt to throw all elected representatives out of office including their own (NOT A BAD IDEA)!  


1. POLITICAL CONTRIBUTIONS. Bill Clinton repealed the Glass-Steagall Act which regulated the risks that banks were allowed to take. Hillary Clinton's campaign was supported by these banks. 

Massive amounts of billionaire and corporate resources find their way into the political system providing a powerful and corrosive force. An irresistible temptation for politicians to entertain a "quid-pro-quo" environment that's now complicated by a Citizens United Supreme Court decision allowing billionaires and large corporations to buy our congress.

2. POLITICAL EARMARKS. Billions of dollars of special interest “earmarks,” known as Pork, provide Corporate Welfare and  Protectionism as payback for political contributions.  By circumventing conventional budgetary checks and balances the majority of citizens are now forced by the IRS to makeup the lost revenues. 

3. LACKING TERM LIMITS. Political contributions and earmarks have turned our legislators into fundraisers, special interest therapists, and porkers. This leaves  a small window for them to take care of the peoples' business. Only Congressional or Voter Forced term limits will return our representatives to the full-time job they were elected.

4. BALANCED BUDGET. The country's deficit has passed $18 trillion. Our legislators pay lip service to budget discipline but continue (according to Standard & Poor's) fall short of what's needed to "stabilize the government's debt burden." A measured balanced budget is required for any country to survive.

5. DEBT-TO-GDP RATIO. This is the ratio between the governments debt and its gross domestic product (GDP). A low debt-to-GDP ratio indicates an economy that produces and sells goods and services sufficient to pay back debts without incurring further debt.  In 2004, the federal debt was $7.3 trillion. This rose to $10 trillion when the housing bubble burst in 2008. Today it exceeds $18 trillion and is projected to approach $21 trillion by 2019.  

The government is borrowing this money in your name and each one of us now owes over $155,000.  Our financial ruin was brought about by  (a) congress supporting Wall Streets outsourcing 160,000 major manufactures that left millions of American citizens without income, (b) funding two major wars for over 10 years, (c) President Clinton deregulating banks supporting the 2007 banking fraud collapse of the financial industry and (e) the decimation of real estate markets. The Congressional culture of undisciplined spending includes protecting-at-all-cost the military industrial complex, the large banks and their other ear-marked “sacred cows”.

6. RAISING DEBT TO PROTECT WALL STREET.  When the federal government mortgaged the future earnings of an entire generation by raising the debt ceiling to protect Wall Street,  Standard & Poor’s, branded Congress as “ineffective” and “unstable.” A Constitutional Amendment is needed to balance the budget and prevent another 22% of our country going into poverty.   To control the debt the President must submit a budget to Congress to pass every fiscal year showing total outlays not exceeding total revenues. Congress is required to pass the budget and the President must sign it into law every fiscal year. Budget provisions can be waived with a formal Declaration Of War (not media driven wars of economic choice) with two-thirds of Congress approval.

7. PUBLIC SECTOR EXTORTION. The debt per tax payer is increasing because tax breaks are provided for the wealthy 2% and large corporations.  As the government continues to raise taxes on middle income earners to replace lost revenues it's increasingly difficult for the rest of the country to preserve their standard of living or have hope that their children will prosper.


We are to blame. We allowed Thomas Jefferson's banking predictions to come true.  Unlike other countries we look the other way when corporations harm their citizens.