Promissory Note Overview, Elements & Examples
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Here’s the truth they don’t teach in school: Every Federal Reserve Note in your pocket is actually a promissory note — a promise to pay, not real money. Under 12 U.S.C. § 411, Federal Reserve Notes are “obligations of the United States,” meaning they represent debt, not substance. They are instruments of credit, issued against your labor, your energy, and your signature. Think about it — “note” means promise to pay under the Uniform Commercial Code (UCC § 3-104). That means every time you use a
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