The U.S. financial system underwent a monumental transformation due to the Emergency Banking Act of 1933, House Joint Resolution 192 (HJR 192), and key provisions of Title 31 U.S. Code, including 31 U.S.C. § 3123, § 5118, and § 5103. These legislative acts, combined with the Constructive Expansion Policy established by Congress on March 9, 1933, fundamentally reshaped the nature of currency and debt obligations in the United States. This shift not only dismantled the gold standard but also recognized negotiable instruments—including bills of exchange, bonds, and acceptances—as legal currency.