Remarks Upon Usury and Its Effects: A National Bank a Remedy by Edward Kellogg, published in 1841, examines the economic consequences of usury—the practice of charging interest on loans. Kellogg critiques the financial system, arguing that excessive interest rates harm economic stability and disproportionately affect working-class individuals. He proposes the establishment of a national bank as a solution to regulate interest rates and promote fair lending practices. The book discusses the broader impact of usury on wealth distribution, economic growth, and financial crises, advocating for reforms to create a more equitable monetary system.