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PS Form
Copy 1 - Customer
April 2015, pstrr
(See lnformation oonn R
F, ev e rse)
tr,!:!.?!:
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For domestic delivery information, ylgit our websitrilsal
www.usps.com

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OLD NATIONAL STA

2385

GODBY RD
ATLANTA

g
o

GA

303495042
1204820075

11/18t2075 (800)275-8777 1:00 PM

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Descri pt i on

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Fi nal

Sal

Pnr:duct

Pt i ce

$1.4,

Large Envelope

(Domesti c)
(ATLANTA, GA 30329)

(Weisht:0 Lb 2.50 0z)


(Expected Delivery

(Friday tt/20/2015)

Registered

DaY)

$13.00

Amount : $55 . 00 )
(USPS Resistened
(RE384011754US)

#)

Return
Recei

Mail

pt

$2.80

Returr) Receipt #)
9590940306955196069809 )
($14 50)
1
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(USPS
(

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Affi

Postage

(Af f i xed
$1 Patri oti c

llave
I

Amount r$14. 50)

$s.00

(Unit Price:$1.00)
$5. zz

otal

Debi

t(Cand
Card Remi t 'd

$5,22

Name:Debit Card)
(Account # : XXXXXXXXXXXXl3E9)

(Approval #r028928)

(Transaction #:567)
(Receipt #:003681)

(Debit

Car

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I ACCEPT YOUR CHARGES FOR VALUE & CONSIDERATION AND RETURN THIS ITEM TO
YOU FOR FULL DISCHARGE, CLOSURE AND SETTLMENT OF THE ACCOUNT. POST FULL
CLOSURE AND SETTLEMENT OF ACCOTINT NUMBER OOAAOfi748 & AUTOTRIS & CUSIP
ACCOUNT NL[\4BER 313565048, IN ACCORD WITH UCC 3.401, UCC 3.419, HJR I92IPUBLIC
LAW 73.1A, LTNCITRAL, LTNILOS & I.IN CHARTER, CONRESSIONAT RECORD pAge 43220 Of
May 11, 1955, Title 31 U.S.C. Sec.5118(d)2.
PLEASE USE MY EXEMPTION FOR FULL SETTLEMENT & CLOSURE OF THIS ACCOLINT AS
THIS ACCOTINT IS PRE-PAID AND EXEMPT FROM LEVY.
Date:

By:

7rlajaL
Tiyemereaaset Ma'at El OrM,
authorized representative for:
BRENDA BRYANiT OTM
Krverdale, Geolgia 13029 61

Jurat

United Nations Declaration on the Rights of Indigenous Peoples *


drltp,,.1u-uluu.qr:/crqiloi:dq!ul.p]i[-,1o!-ruuq!!.sillnUl.!-sltpdf
United Nations Convention on Economic, Social & Cultural Rights, United Nations
Charter; Aricles 55 & 56, UNCITRAL, LINILOS, Presidential Proclamation 7500, H.J.R.
194, S. Con. Res.26, S. 1200, H.J.R.3, U.S. Departmentofthe Treasury.
Af{lnrred to and subscribed before me this day

Produced ldentification

af '11 lu rkl u; , t 7,

,2015,

Type of ID

My Cornmission Expires

State Home Mortgage


P"O.

Box 133049, Atlanta, eorEia 30333

Brenda Brvant

I 404-679-5294 I 1-800-781-8346 | www.statehomernortgage.net

Sen

Riverdale, GA 3A295
4,317 .38

RE: Loan No- 0000017748


PropertY Address: 5330

Rive

Dear Mortgagor{s),
Be advised that as
Secured Debt, we a

{-I
'1
t(

'l
I

te and Deed of
.1ega1 acLion Lo cure

Liris breach, if

Said Deed to

ffir must qive certain


of qS Noie and t.he I ender
,rg9{"rred in Pursuins

notices to
hall be

hj-s is notice Lo You

Pu

of

n
f

ached as a resul-t of Your


Iy- Our records indicate
11-09-15.

total due in the form of CERTIFIED


You rnust
rom Lhe dat.e of this lettert.hi-rLY
Lhis
during
due
or ra\ E charges t.hat become
t-&&&cs
your
bring
t.o
above,
y period, along with t.he amount shown
t. currerrL.
result in t'he
f).iture to cure said breach on or before 12-09-15, may
to
Secure Debt and
Deed
acceleration of the total sums secured by said
avarl-able
remedies
other
a foreciosure saie of youl'p-roperiy, ds weil as
to your lender.
cure the breach,
In ;he event your loan is accelerated due Lo failure Lo
terms provided
the
you have tfre rigftL Lo have your loan reinstated under
in the Deed to Secure DebL-

ffid##r:,:

State Home Mortgage


Box 133049, Atlanta, Georgia 30333

4A4-679-5294

1-800-781-8346 I www.statehomemortgage,net

Loan.

No.

0000A]-7748

Your further have the right to bring court actlon to assert the to
non-exisLence of your default or any other defense You may have
acceleration and sale'
incurred
A deficiency judgemenL could be sought against yoy'for losses
is
your
loan
leELer
of
this
dale
the
As
of
in a foreclosure action.
Repositories.
Credit
t,o
reported
being
is
3L2 days delinquent and
thereof,
Unless you dispute the validity of the debt. or any porlion
valid
by
be
to
assumed
be
will
debt
within :O daysl in writing the
i,he detrt collector.
If you have any questions, please conLact. our office.

SincerelY,

Default DePartment
State Home MorLgage
60 Execut,ive Park South,
ALlanLa, GA 30329
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY
WILL BE USED FOR TI{AT PURPOSE.
SM6

NE

INFORMATTON OBTAINED

i*.-

re

LiFE..\i"i' oF

Ll.\ rl iE i-i
( ltt-rcu r,f Hu-.ints-[..ntrcprisrs
I )lrplir.riion St rricr s Srctir,r,

THIS IS To CERTIFY that the coltectionsS$:liar*l'of


congress conrain a pubricarion
entitled TrlE srarurEs AT LARGf,
oF TIIE
or AMiRrcA, and that
rhe a*ached phorocopies giom
.ART a yot.
{he u:,t* pug. and pages r 12
and I i_j
on r*'hich appears H'i' Re;. lgz'
alon{i nrsolurlcix
uniform value to rhe coins
and ct'rencies ofthe united staks'
ruo* 1933 - are a true representation
from that work.

uxliui srarrs

xlvrt

May 2.

illi

Xr}l*tss

i, L**

\il/HEREoF, the seal of the Library


of congress is aflixed hereto on

In&prnrlunc.. trrnue- Sf: \I ;shir:sronl X ?U5+O--991- 1"1 ltil.70:.i6j0


rUr:u.!1g+1l!; dtrpEcirtirnscrrice serl.,c...qov

THE

STATUTES AT LARGE
OF TEE

UNTTED STATES OF AMERICA


FtsOM

MARCH 1933 to JUNE r9$4


CONCUNRENT AESOil}TION$
AND
MNVEFTTIONS, EXTECUITYE PROCI.AMA'ITONS
NECENTT TBEJI'rIES
A}TD AGNF'EIIE\TIE flTENTT-tr'INST .${ET\TDMENT
TO TEE CONSTITI,ffION

rDtrD,?RIt*1@,axD PtrrBI,,lEm Br aulEoil?r ot


IINDBA

oor*onr

TEBDISrcxlC!{ O' TESBEdRETi&I OtrGAT

YOL.
II{

XTYIII

TWO PANT$

l-kblic

Ac'taad Resolutigu&
Penr Z-kivatc Ac.ts asd Rmlutioac, Cormmmt ReeolrtionE
?ruties ard Conveutioae, Erecutive ltroclamatiors
ard .lrgeeneots, Trenty-fust Amadmeut to tha
P.ran

Costitutiou.

PANT

***--#l

os330'$

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FllElIf&I?N;

F*rhbr$rCf.lstrdotdDmot+tryrdUm,D.G

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- - Fdar8.00(Bocfrr)

119

?3d CONGBESS- SESS.

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fiaatn aL s tlu 8& ad

ffim

Po*arc r9p gqu "ryP-iJfdi ti te *raiol;* and to s?a hls


Polie tn{ dF r.PIL"iff*

ffiE

qF q-ffiys.ffi**"T

irtmo*
$io'ffiffi
of infr -nstion' *g'Ho-fl:|t t-:T".#J-the mstrtrl an4 ptysc{
*B=*,T3.H;idffi#ih;-Uoit"A
St'.tt"
tle ecrasnv
"oa

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"rro"

to trc ouau cod

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;3d COSGBESS, SESS'

CHS' +8' *9' JLSE 5' d' li33'

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io raiso rsvuus for

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'

eppoved, Jrmo 6, 19331 4"(l P'n'


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AN ACA

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etuce
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1357

TI?LE 2&-JT'DICIARY ANP JUDICIAL PROCEDURE


EFFECTTVE DATE OF 1980

AMEi\DNENt

Page

346

,*aseo10gy,,, see, 36 I]l, IJaIlr &ev., Jflrcar:r rg{1, pp-

ArrlendrrrGt by &rb. XJ. Se{l? ap*ts.atrle rritl} r.e*sEect 5S-5?1.}


aet'icaB soErmeaced- oa or afrer tj."

to cil,il

S.t;";;
8,ftor N$q, 1., lffi, sse Bsctlen mffeXfltaiof-i,;.T.
$6-41?, *et our as a noto under section
riir,j"

iitrI.

iii

f357' trjuries undr Federal

laws

seerlcD changes &his *Ieu$e by confiniag


..:t_Iylt9d
its-application
-to rases.wheroin tne assiedrent i;l;'_
$il-rri:,L:i.:tix',;;?f",$i:r.:rr:r**i l;iG*rgjil

clause

is

clause is

overeome and the origiqal purpose

ol

such

bBtter^ $err,ed r:v surr=t-iuii"U!' tollowinr nec_


. The district courts sla]l }ave original juris- riq!80orH0Ie28, u.s.c., 1940ed.
diction of anv civil action commeol*d--i,J;il
,.I11:_ulq"j." cjt$e ui; itrd"poruteo iil rhe orislnal
person to recover damages for any iniurv
j.1t1",111v,+oj of 1789, Such seciion 80 was euacred in
iis
io
properiy oa acoount oi aai alt a""" *1r_ l"1u_1rj_torv of the asslgnes elause ,'shows clearly
Per_$on oI
bv him, undor anv A*.of coneresnlir
H"Tr's"i-T:T:"#f.1ti-i;,i.r!"i.ii"r:ffJlii:""#:,i
Nection or colleetion ot'any oi tbe'rev*nues,
o" trre reaerat-co-urts, oa grouadr of divsr*ity of

.hrr:,

to

enforce the riEht

of ciiizens or tne i:niteei


"-

stateEtovoteinany$tate.

{rune ?s, ts4', ch.646,62 srer.


ItsroEIcAL
.B$ed,on

iiro

28,

e34.)

AND REvr$IoN

u.s.c.,

ch' 231' $24' par' 11' 36 $tat,

1092')

Mt4or ehanges were ma.de


iu
"-r^,-

tv ;Biis;;ent, ia cases *.herc it


eit"c.;;"isao-qtt_u. Fed,eral

citlzen_

wourd nor or.hor-

freserue

\ank,1925,45

$llri$rjf;ffiEX.iltffif.*t*int*n,;j,rk}

:iX&H: Jf9:-*:!:HL:T**t:ru;y

(Mar. B, 1s11,

t**;U;*

chosei in uciion.tom its coverage: i1) Foreign lrill ot


exsuange; .ir,i gr ."i.i"Lirl;;?Uil.:
Bur rhis
not prevent the use of assigE&ent of these ehoses indoos
tion-to ctuaie-tlu fiecessary diversity or allenage acfor
iurisaictioilI-purrxrye:. such seetion g0 does, horveger,

wordB "aav ciYll *ctloB" r'rere $ltrstitured ror


Buits," in yisw of RBle 2 of the reaerai g,ui& ot

Procedure'

yir

manufaotute of I'ederal Jurisdtction by the device of


as-

NorEs

1s40 ed., $41(11)

sHp,

"a}t
crvii

------^,-_---*
Bhraseology,

{666i11

!Is6a F-ri:re,nt
lir:"&"}f';fffi E:#:.i;",s,H.J"t'ii?:,ttrtx;Hl;
The district eo{rt$ shalr }re"ve original irrisiHffi.'ffi:*#Jii;::tiHStTf-tT#
diction of all proceecrings to conaema"rG-iestate F*'"Atf
i;il;";#;ih"
boru rrde assi$ee
cbo*e in acfor the use of the uniied stateJ or ix o"p*"t- tion
wttnir iis terme from re'ortiag:ofroa the
Federal
meilts or age:rcles.
courts untess tbere is ,u1igd1ctiil-t urippo"r the es_
{June 26. 1e48, eb. 646, osstat.
;'ffi1-5"'fi:ii3u1""fi:Xi?i,i:11l;f*'f*i l**X'X
actioa in lieu of tb assignee-plitntttt. sino" the ,.*HISTOBICAT irND &ElTsroic Nro?Es

e35.)

if":i:#tri:f*H_:* lll"r".*,tt*fm**X
{yi:llc waiel
snouto er ebo*r* rot te i{lthin rhe

_ Bqsed on sscrion 26? or rj*e 40, u.s.c,. 1e{0 eo.,


Buildiags' Propertv, a,ld works
1"rift?t.
ti,
2b tat' 35?; Mar' 3, lsu. ch' 2q' iauc.
"-'
$ry! ad si-t. "[.'rx,
116?r.-'
The verue provie*ons o{.secrioi anr or iitiu ii,
us,c,,
1940

ed., &re incorpolarerl.in sectior r+oa

oi-iui,

iiiru.

tr}u."lro]y ol r]re

ilu
have thous.hr it adrriseble ro
9!"*.itira,ii
rinii
"oortu
t"r"llchose
ia ac6iou,, and exctude from Jts

scope_o) aa iruplletl in.law duty or promtse,

(?)

&nd
u,s.b---isao urai"rer-oi a-pioperry interesft and to exelude aR as-a
ssnmenr by"oGiatioa of Iats {?om the
of tba
changesweremadeinplraseclogy.
clius*" rnierd*arate asslgrrnests audcovera:e
roa*$igarec*t
al$o
Eiee ditticullv'
llg5o. parties oltreivelyloid or oade
inac'64re io rrki*h
A distrl+t murr shall rot hare jurisdierioa
a civd action ia which any party, -tta"-Hr; ",'o'tffi;*ffic*ioa
or otrrerwiJe' u# ilio i*poperly ;" *rri*ttffJ
thg Btates listed tn rhe tbnolvins
.^!1)^
made or iotned to invoke itrelurisaiction [}ilif,
talrle T3"l
shau ,of
have jurisdiction over-civil causes o1'
court.
action between Irrdians or to which Indlans are

otber profi$iorE of sectionzS? or title


ed" are retained in said tible {0'

(rune 28, re4B, ch.

646, 6p

stat,

40,

eB5.)

Norus
r,:1f,ii:"ll llHlff;lif 3': l3'tfi;$lfJliu# HJH
Hrsro&roAl. AND nEvr$roN

fff-i,:LIHi"Hlfrl1ff*":?if;:

same extent

ffi"j"ffi

that such state has jurisdlction

iJ;l:"'-T#'i*#iffi"?:'f,1ffiiltr i#ir
l?-; h,T;,ll;it$rut#trna*',11,:rtd:x1,fd [:*T#uxl: lr:r:"ri#i"T],%"#lffilli
uthef pl.ovislors of sec-tion 41(1)
dian country
of ritle

28,

u.s.c.,

Provl$ionsofseetionS0gffilr^eE,U-s.C.,!s40ed.,for

d'ismissal o{ an acrion nor roa}ty an,I


volYjns:a disputs or coutroversy wthtn";;;t;;i;"ii
ta"

districi eourt,

of

*""- cariro"nia

iiliirrr-ir,ilrii:H1::'
of

as thoy have elsewhere witrrin ttre

ii{"i'

State:
1fl9 S,, are iocorporatea in sediions iarii 1ijsz,
1342, 1345, anrt 1354 of this tlile.
PrqYlsioBs of ssotion Bo.of title
state
u.s.c., 1s40 ed., {or
payment of cosrs upon di$mieeal sg,
of an aeiion fo, i.1"5 Alaska
juristllotion
of
are incorDora.teti in sectiott fgig of thj*
oi saia secrio! s0;;;;;; il

Mirrnesota

u_
jiii.r*triltr""

orytt-ua.Ls."n"""J"ilil-a"y Nebraska
rot wttbfa its-jurisf,ietioa
Js arrar4,n to the fe.ct, o. d*n oir it*
Oregon
f*Ofilj;r;X*"uon
The &sstsisee clause ia se*ior 4-i(1) or rtle 28,
u.s.c..
1S{0 od.. "ls a jur$ble of legislative
fr* Wisconsir
ther leferolrces to the coasoquetrce$i""g"n.,,-iirJ'"
.,its'ohscure
of
a.

r+eye

court will disraisi & case

radisr counirr affected

Ali Indian countr.y $ithin


State.
Ail rndrau country within

Nho

tbe

co.rlrry wlrhin

rh6
"frTlL"
the Recl Lake
*:113;.1ijXi,
All Indiaa couniry wtthin rhe
,Srate.

AU Indlaa country wibhin

!Sl;h

fJff*:""Tr

rb

warrn

AI1 Indiaa couatry ridthin th6


Stabe.

Page

347

TTTLE 2B-II]DICIAN,Y AND JUDICIAI, PROCEDURE

(b) Nothtng in this section shall authorize the


alienation, ensumbrance, or taxation of any real

or personal property, lneludlng water rlg:hts, belonging to any Indian or any Indian tribe, band.

or commuuity that is held in trust tty the


tlnited States or is subject to a restrletiou
agalnst alienatioa imposed by the IJniied
States: or ehall authorize regulabion of the use
of such property in a manner lnconsistent with
any Federal treaty, agreement, or staiute or
wlth eny regulation made pursuaat thereta: or
shall confer juriediction upon the State to adju*

dicate, ia probate proceedings or otherwise, the


ownership or right to possession of such prop'
erty or anlr interest therei.n.
(c) Any tribai ordinance or custom heretofors
or hereafter adopted by an Indian tribe. banal' or
communlty i.n the exoreise of any authority
which ii may possegs sha]I, d not inconsistent
with any applieabte civil law of the State, be
given full force aail effect in the determination
of ciYil causes of action pursuaut to this sectio}.
(Added Aue. 15. 1053, qb, 505- q4. 6? Stat. 5B9l
ameaded Aug. 24, 1954, eh. 910, $2, 68 Stat. ?95;
Pub. L. 8H15, $2, Aug. 8, 1956, 72 Stat. 545: Pub.
L. 95-598, titte II, $2S9, Nov.6,19?8,92 Stat. 2668;
Pub. L. 99-353, iitte 1, S110, July 10. 1984, 9A Stat'

342.)
AMENDMENTS

r36il

ofjurlsdiclion by any such Siate until


the people thereof have appropriately amended lhej.r
slate constittrtion or $iatutes as che case m8"y be,"
$uch assumptlon

CoNSENT

oF UNITED S"ATES TO OfilER SIATU.S TO

AssuME Jugis:rrc*oll
Act AuE, t$.1sS3, ch. 506, $'?.6T *tat,. 390. which Eave
coasetrt of tbe Unired gtate8 to ary other State lot
havt[g jurisdlctioa wi6h re8lrect to crimlnal oflenses or
civil causes ol actioE, or wlth re$peot to bo!h, as pro-

vided for

in this sec[ion aod section

1162

of Bitl

18,

Crjmss and CrImInaI Procdur, to as$ume iuriBdlolion


ai Bucb time and in such ma}}$er a.s the peopls of the
$tate sha1l, iry leglslaxive action, obligate and lrind tho
State io assumption thereo{, was repealeal by seclion
{03(b) of Pub. L. 9G.284, title ltrr, Apr. 11, 1968, 82 Stat.
?9, such repeal nal, to ailect ary ceBslon oi iurisdlction
made pursuant to such sectiotr prior ao its repeal.

Retrocession of iurisdictiotr by Stste acquired ty


Stale pursuari to section 7 oI Act Aug' 15. 1953' Brior
to its repeal, see sectlotr 1323 or'Title 85, Indiarrs'

1861.

Action to compel au officcr of the United

States to per{orrn his dutY

The distdet, eourts shall have orlginal luri*diction of ary action in the nature of m&ndamus
to compel ar offlcer or employee of the Urited
States or any agency thereof to perform a duty

owed to the plaintiff.


(Added Pub. L.8?*?{8, S1(a), Oct.5, 1962' ?6 $tat.
744.)

1984-Subsec. (a), Pub. L. 9H53 slruck out "o}. ?errltorles" a{ter "Ea.cb. o{ t}te Stat,e$', struck out "or Ttrritory" afEer ''Staie" ia 5 pls,ces. aud substitlrted

''lyirhin the State" Ior "withiu the Territorl"' iE item

relaring ro Alaska.
l9?&-Subsec. (a). Pub. IJ. 95-5sA directsd Ehe amendmenc sf sutrsee. (a) by substituting in the item relating

to Alaska "$ithin the Siate" for "within the Terrirory", rvbich amendme4t did rot becorBe effeciive puf-

suant to section 4@(b) of Pub. L. $5-598, as ameoded, set


out as an Effective Date Dote lrecedlag section 101 of
Tiile 11, Ba&krrrptcy.
1958-Suhsec. (a). Pub. L. 8H15 gave Alaska jurisdiction over cifil causes of action between Iadians or to

{ 1342. Indiail tribaa

TlIe district courts shal] bave original jurisdiction of alt civil action$, brought by any Indian tribe or bancl wiih a 8:overningi trody duly
recognized by the Socretary of tke futerior,
wherei:: the matter in controversy arise$ under
the Conetitution. Iaws. or treaties of the United
States.
(Added Pub.

L. 8H35, $f, Ost. 10, 19ffi'

B0

Stat.

880.)

which Indlans are parties which arise ia all Indiar $136:1. Jurorst emplolBent riEhtg
couniry wlthjt: the ?e#itory of Alaska.
1954-Suiisec. (a), Act Aug. 24, 195{t, brought the lt{e?he district eourts shall have orlgina} jurisncmtneeTrlhe$'ithintbeprovl$ionsofthl$seetio:t. diction of any civll action brougiht for the proEFFE'T*E DA'E 0r 1984 AMEND.1urElir tection of iurom' employmeni under section 1875
of thts titte'
Amell&mert h]' Pub- L' SA-$53 ef{ectlte Jrrly 10' tSt4,
Eee secrion 122(a) of Pub. L. 98-353, eet out a.E au Effec- tAdded Fub. L. 95*5?2. $6{bX1), Nov. 2, 1978. 92
tive Daxe nole uader $ectios 151 of this title.
Stat. 245?")
AD}TISSIOtr: OF AL.\$KA

iS

STATE

Admissiofi cf Aiaska ilrta the Union rrtas 4cco$.

plished Jan. 3, 1859, on issuaace ol Proc. No.3269, Jan'


3. 1853, 2{ F,B. 81, 73 Stat. c16, as required by sections
1 and B(c) ol Pub. IJ, 85-508, July ?, 1958, ?2 SLat. 339, sei
ou| as notes preceding seciion 21 ol Title 48. TerlitorleB
and tasul6,r Possessious.
AMEsDMEIIT oF STATE goNsrmut'torss To RE1!to\'r:
r,EsAr. rldp,Dr*Er{'r; ErFEcnvE

DArn

PR1oR PRol,T$IoNs

A prior section
this tiile.

1363

was renumbered sectiol 1366 of

EFFEcflvE DATE

ge{tton

of Pub, L. 95-$?2 Fro\'tded tha,t:


provided in sulrsestior} (lr) of this sec.-''(a) Excepr a$
T

ll?t#:ffSJ"1flX"|}rf*un$;t}|;}"J.:?ffitiffi,t|i:

to coastructroa of references to l&lirs of lhe


United States or Acts of Congress. as secbiorl 1384' aud
emendlng sections 1363, 1865. 1866, 1869. and 18?1 of ihtrs
tit'lel sha1l apply with respect to any graud or petit
amend, vrhere BecesBary, their State consEttutiou or ex' juror summoned for service or actually servlng on or
1tsti&g statu.tes. as the (s,se Iqay be, to remove a$y 1,egal attQr the date of eae'ctrdrtri o{. tbls Act [Nov. 2' l9TBl'
"(b) Tbe &meudmeat made by sectloa I oi thie Att
impe-diment to the assumptiort oI clvl1 ena crlminal Jutltle] shall epplv lvittr rerisiiciiou in accordarce wittr the provisions o! this Ast lamending seetion 18?1 of lhits
juror serving oa or s,fter the
IaddinC thi$ $ection aad sectior 1i62 ot Tltte 18, Crimes spect io an}' gtand or Fotit
and Criminal Procedurel; Pror:ided., Tbat the provislons sixtieth day foilowing lhe date of enactmeDi of this Act
oi this Aci shall aot trecome effective {/ith respect to iNov' 2, I978J"'
section s of act Aug, ls, 1955, provided tlat: "Not'
wichssaEding' the proiisions of aay Enablil]g Ac! ,or
the admisslon of a State, the coase11i of the United
Suates is hereby giver! to th people ol auy State to

latjng"

http:/lwww.treasury.gov/resource-centerlfaqsiCurrency/Pagesllegal-tender.aspx

I '.

',,

Resource Center
Legal Tender Status

I thought that United States currency was iegal tender for all debts. Some businesses or
govermental agencies say that they will only accept checks, morey orders or credit
cards as payment, and others will only accept currency notes in denominations of $20 or
smaller. Isn't this illegal?
The pertinent portion of law that applies to your question is the Coinage Act of 1965,
specifrcaily Section 31 U.S.C. 5103, entitled "Legal tetder," which stetes: "United States
coins and curency (including Federal reserve notes and circulating notes of Federal
reserve banks and national banks) are legal tender for all debts, public charges, taxes, and
dugs."
This statute means that all United States money as identi{ied above are a valid and legal
offer of payment for debts when tendered to a creditor. There is, however, no Federal
statute mandating that a private business, a person or an organizalian must accept
cwrency or coins as for payment for goods and/or services. Private businesses are free to
develop their own poiicies on whether or not to accept cash unless there is a State lau'
which says otherwise. For example, a bus line rnay prohibit payment of fares in pennies
or dollar bills. In addition, movie theaters, convenience stores and gas stations may refuse
to accept large denomination cutreocy (usually notes above $20) as a matter of policy"
What are Federal Resene notes and how are they different from United States notes?
Federal Reserve notes are legal tender cwrency notes. The twelve Federal Reserve Banks
issue them into circulation pursuant to the Federal Reserve Act of 1913. A commercial
bank belonging to the Federal Reserve System can obtain Federal Reserve notes from the
Federal Reserve Bank in its distnct whenever it wishes. It must pay for them in fuli,
dollar for dollar, by drawing down its account with its district Federal Reserve Bank.
http://www.treasury.govlresource-centerifaqslCurrency/Pages/legal-tender.aspx

FederalReserveBanksobtainthenotesfromourl:.,,,,;,,i r;,.:',1\tir-i.ii!.. i''r:r,;..,-:


(BEP). It pa1.s the BEP fbr the cost of producing the notes, r+'hich then become liabilities
of the Federal Reserve Banks, and obligations of the United States Government.
Congress has specified that a Federal Resene Bank must hold collaferai equal in vaiue to
the Federal Reserve notes that the Bank receives. This collateral is chiefly gold
certificates and United States securities. This provides backing for the note issue. The
idea was that if the Congress dissoived the Federal Reserve Systern, the United States
would take over the notes (liabilities). This would meet the requirements of Section 411,
but the govemment would also take over the assets, which would be of equal value.
Federal Reserve notes represent a first Iien on all the assets ofthe Federal Reserve Banks.
and on the collateral specifically heid against them.
Federal Reserve notes are not redeemable in gold, silver or any other commodity, and
receive no backing by anything This has been the case since 1933. The notes have no

value tbr themselves, but tbr u'hat they wili buy. In another sense,
because they are legal
tender, Federal Reserve notes are "backed" Uy att the g,:ods and services
in the economy.
What are {-inited States Notes and how are they ditferent from Fecleral
Resen"e notes?
Lrnited States Notes (characterized by a red seal and serial number) were
the first national
currency. authorized by the Legal Tencier Act of i 862 and began circulating
during the
Civil War. The rreasury Department issued these notes directly into circulation, and
they
are obligations of the United States Government. The issuance
of United States Notes is
subject to limitations estabiished bv Congress. It established a statutory
linritation of
$300 million on the amount of Uniied States Notes authorized to be outstanding
ancl in
circuiation. While this rvas a significant figure in Civil War days, it is
nou. a very small
fraction of the total currency in circulation in the united stales.
Both United States i'{otes and Federal Resen,e Notes are parts of our national
currency
and both are legal tender. They circulate as money in the
**y. However, the issuing
authority for them comes from diff'erent statutes. United States Notes were
redeemable in
goid until 1933, rvhen the United States abandoned tire gold standard.
Since then. borh
currencies have served essentially the same purpose, and hau. had the same yalue.
Because United States Notes serye no function that is not already adequately
sened by
Federal Resen'e Notes, their issuance w'as disconlinued, and none havl
been placecl in to
cjrcuiation since .ianuary U. j971.

r*.

http:#rw',rv.treasury.govlresource-center/f-aqs/Currency/Pages/iegal-tender.aspx

l'he Federal Reserve Act of i 91 3 authorized the production and circulation of Federal
I{esen e notes. Although
(BEp) prints these notes.
they'move into circulation through the Federal Reserve System. They are ohligations
of
both the Federal Resen'e System and the tiniteci States Glvernmsnt" On Federal
Reserve
notes. the seais and serial numbers appear in green.
united states notes serve no function that is ns1 alrpar{v adecuatelyrqyed by Fed.eral
Resen e notes. As a result. the l'reasury- Depar-tr
and none have been placed into circulation sinc

the

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