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After three long years of debate and negotiation, in 1913, the Federal Reserve Act was adopted and signed by the president Woodrow Wilson. This act was proposed after a major economic crisis and it was pushed by Wilson in order to protect the economy and also to insure that not one man has control over that much money.
President Woodrow Wilson pushed Congress to pass the Federal Reserve Act in order to provide stability to the nation's economy by preventing monetary and economic influence from being concentrated in the hands of one or two individuals or banks.