Keith, while it may be educational to demand lawful money from ordinary citizens, and citizens may be construed as federal banks, that is not the way I read 12 USC 411. In fact the legal tender laws allow citizens to 'pay' you in FRN's. You have to take those FRN's to an actual chartered Federal Reserve branch bank to make your demand. This is why a general notice and demand statement placed into the public record works better: it states clearly that you do not deal in FRN's, and choose not to loan your credit to the federal government. Since FRN's circulate at par with US Notes (now US currency notes), you can use them without creating any new credit/debt, and they have no impact on income taxes, since there is no record of their use (that's actually a feature, not a bug). Your problem may be when you deposit those FRN's into a bank account; at that time you need to have served that bank with your demand, because they will convert that cash into digital credit, and report it to the IRS, who will want you to pay tax on it. That is why it is better to file a Notice and Demand covering all your financial transactions into the public record and serve it on your bank. It takes all transactions through that account out of the purview of Title 26, since it is clear that no private debt/money/credit was used, only public money, which is not taxable under Title 26.

Freed