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BANK OF AMERICA
N. T. & S# A.
New York
December 22, 1939

Hon. Mariner S. Eccles
Chairman of the Board of Governors
Federal Reserve System
Washington, D. C.
Dear Mr. Eccles:
Herewith enclosed copy of l e t t e r
addressed by me today to the Comptroller of Currency from
New York which i s self-explanatory.

I am also taking the

l i b e r t y of enclosing f i v e other copies f o r the other members
of the Board, which I would thank you t o d e l i v e r to them.
Wishing you and yours a Merry fchristmas
and a Happy and Prosperous New Year, I am
Yours s i n c e r e l y ,

(s) A. P. Giannini