ALL LOANS, MORTGAGES, AND PUBLIC UTILITY BILLING CONTRACTS OPERATE AS GOVERNMENT OBLIGATIONS — (18 U.S.C. § 8; 31 U.S.C. §§ 1501, 3123 & 5118; 12 U.S.C. §§ 83 & 411; Public Law 73-10 / H.J.R. 192; 12 U.S.C. § 95a; 50 U.S.C. § 4305)

Every loan, mortgage, and utility bill you sign isn’t a private contract — it’s a federal credit instrument operating as a government obligation.

📜 Here’s the law they don’t talk about:

🔵18 U.S.C. § 8 → Defines all “representatives of value” — notes, checks, bills — as obligations of the United States.

🔵31 U.S.C. § 1501(a)(2) & (a)(8) → Lists loan agreements and utility services as government obligations.

🔵12 U.S.C. § 83 → Banks are prohibited from lending their own money — they use your signature to create credit.

🔵12 U.S.C. § 411 → Declares Federal Reserve Notes as obligations of the United States.

🔵31 U.S.C. § 5118 (Public Law 73-10 / HJR-192) → Suspended gold redemption — all debts are payable in credit, not gold or silver.

🔵 31 U.S.C. § 3123(a) → Guarantees payment of all U.S. obligations in lawful money.

💡 Translation: You create the value. Banks record your note as an asset. The “loan” is settled and discharged through the credit of the United States, not bank capital.
🧾 Every modern contract — from a mortgage to your light bill — runs on public credit, not private money. The borrower provides the energy and signature; the bank merely acts as a fiscal agent of the Treasury–Federal Reserve system.
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