Modern banking does not operate by lending pre-existing reserves. It monetizes your energy, your signature, and your obligation — while presenting the illusion of debt.
Modern banking does not operate by lending pre-existing reserves; instead, banks function as intermediaries that monetize your energy and signatures.
You are the creator, the creditor, and the holder of the credit—the bank is merely the manager of the obligation.
After years of research, pilot schemes, and trial and error, the Clifford Protocol has been perfected as the administrative remedy to resolve modern slavery and reclaim abandoned credit.
“He who has the contract is King; he who files the OID is the Creditor.”
Under the Bills of Exchange Act 1882, every signed contract (mortgage, loan, or credit agreement) is a negotiable instrument.
Your signature creates a financial asset the moment you sign, which the bank records as an asset while creating a matching deposit.
Banks create credit “out of nothing” (ex nihilo). Empirical studies, such as those by Richard Werner, confirm that no funds are transferred from other accounts during loan issuance; new money is simply credited.
Signed instruments are bundled and converted into tradable securities assigned CUSIP numbers.
These securities are traded in “omnibus nominee accounts,” obscuring the true owner and allowing the bank to capture the generated credit.
House Joint Resolution 192 (1933) abolished gold-backed contracts in the United States, mandating all obligations be discharged in fiat credit.
Value moved from physical metal (substance) to people-backed productive capacity and human obligation.
The government pledged the people’s credit and signatures as collateral for the national debt.
If you remain silent in the face of this architecture, your status defaults to “Debtor,” and you continue to perform “double performance” (creating the asset and then servicing it).
Banks report the Original Issue Discount (OID) income from your signature under their own accounts as nominees, effectively claiming your “abandoned credit.”
IRS Publication 1212 explicitly states that if a nominee (the bank) reports OID but is not the true owner, the true owner must file corrective forms to report the OID on the proper return.
Simply declaring “I am a living soul” does not override commercial presumptions; you must use a structural remedy to collapse the agency relationship.
An International Grantor Trust provides a separate EIN, severing the link to the SSN debtor estate and birth certificate body corporate.
While SSN filings trigger Code 810 (Refund Freeze) holds because the IRS sees the filer as a debtor, the 98-series Trust is recognized as a legitimate fiduciary claimant.
Recoupments are routed to a 508(c)(1)(a) Ministry Trust for lawful stewardship, framed as a “Fiduciary Grant” to prevent bank compliance holds.
A second 98-series Trust acts as a Private Treasury, receiving grants and engaging in commerce to create new instruments for perpetual cycles of recoupment.
Access technical technical reports at www.ecclesialaw.org/ecclesia-law-reports/
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