The Aldrich Plan, drafted in secrecy at Jekyll Island, faced fierce criticism as a banker’s scheme that gave Wall Street too much control. But with the election of President Woodrow Wilson in 1912, the push for reform found new life. Wilson and Congress reshaped the Aldrich blueprint into the Federal Reserve Act of 1913, balancing private banking interests with government oversight. This episode explores the political battles, the compromises, and the transformation of a secret bankers’ plan into America’s central bank — the Federal Reserve.

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