White Papers

We are often asked for white paper descriptions of how public banking works. Here are two detailed white papers (PDF) that were published by independent groups.

Banking on America: How Main Street Partnership Banks Can Improve Local Economies
This is a detailed report that compares the performance of the Bank of North Dakota to banks in other states where public banking is being considered. The term “partnership banks” is a good one because public banks “partner” with community banks to grow local economies.

Justice Rising: Public Banking Issue
Alliance for Democracy devoted the entire issue of Justice Rising to public banking in spring 2014. Although not technically a “white paper”, this booklet is very comprehensive.


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