The new publicly administered banking system will lend at 0% for the first two personal residences and for two autos per family after which it will discriminate whether or not to loan depending upon the purpose and/or business plan presented. The public bank will be able to offer and execute the 50% debt jubilee policy.

The private banking system will be able to loan for most purposes that the public bank refuses to loan for at a top rate of 3%. Derivative financial instruments will be strictly restricted and regulated. Bonds created out of already created and saved earnings and profits will be allowed but not at any rate above what the public bank/government treasury might offer bonds at to further the interests/survival of the nation.