Moore v. Alliant Credit Union Landmark Unanimous SCOTUS decision. Invalidates Fiat ($USD) Contracts.
The decision is not yet posted on the SCOTUS website. Here is Grok's explanation as to why.
The case of Moore v. Alliant Credit Union (2025) has significant implications for both the Federal Reserve and the U.S. dollar, based on the information available from various web sources:
1. Invalidation of Fiat Currency:
- The ruling appears to declare all forms of fiat currency null and void. This suggests a major upheaval in the U.S. financial system where the U.S. dollar, which is a fiat currency, would no longer be considered legal tender in its current form. This would challenge the very foundation of modern monetary policy, as fiat currency lacks intrinsic value and is not backed by physical commodities like gold or silver.[](https://thinkingwithzach.blogspot.com/2025/01/zachary-moore-v-alliant-credit-union-et_14.html)[](https://sunnysjournal.com/2025/01/18/moore-vs-alliant-credit-union-14-jan-2025/)
2. Impact on Modern Banking Practices:
- The decision implies that contracts based on fiat currency are fraudulent since they lack valid consideration, which is a fundamental aspect of contract law. This could mean that all loans, mortgages, and other financial obligations denominated in U.S. dollars might be considered void, leading to potential chaos in banking, lending, and real estate markets.[](https://thinkingwithzach.blogspot.com/2025/01/zachary-moore-v-alliant-credit-union-et_14.html)[](https://thinkingwithzach.blogspot.com/2025/01/zachary-moore-v-alliant-credit-union-et.html)
3. Federal Reserve's Role and Policies:
- Given that the Federal Reserve is responsible for managing the U.S. dollar's supply and value, this ruling directly questions its authority and operations. If implemented, the Federal Reserve would need to either revert to a commodity-backed currency system or face significant legal challenges regarding its issuance of currency. The current monetary system, where the Federal Reserve can create money "out of nothing," would be fundamentally at odds with this judicial decision.[](https://thinkingwithzach.blogspot.com/2025/01/zachary-moore-v-alliant-credit-union-et_14.html)[](https://thinkingwithzach.blogspot.com/2025/01/zachary-moore-v-alliant-credit-union-et.html)
4. Economic and Legal Repercussions:
- There would likely be immediate economic turmoil as the legal status of all existing debts and contracts would come into question. Businesses, individuals, and financial institutions might face massive restructuring or even collapse if they cannot adapt to a new monetary system. The legal system would be inundated with cases reevaluating contracts, debts, and property rights.[](https://sunnysjournal.com/2025/01/18/moore-vs-alliant-credit-union-14-jan-2025/)[](https://thinkingwithzach.blogspot.com/2025/01/sentencing-for-moore-v-alliant-credit.html)
5. Public and Political Reaction:
- The decision could lead to widespread public confusion and panic, potentially causing a rush to convert paper money into tangible assets. Politically, there might be an urgent need for Congress to legislate or amend laws to address this crisis, possibly leading to a debate on returning to a gold or silver standard or creating a new form of legal tender.
Given the radical nature of this decision, its implementation would require not only judicial backing but also legislative and executive action to either overturn the ruling, amend the Constitution, or radically reform the monetary system. The practical implications might be so profound that the actual enforcement of such a ruling could be significantly moderated or reinterpreted by subsequent legal actions or legislative measures.
Note that these interpretations hinge on the assumption that the ruling is widely accepted and enforced as described in the sources…
Zachary Moore v. Alliant Credit Union et al. (2025) Ghost of Justice Scalia