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Hugh Masekela

Hugh Ramapolo Masekela (4 April 1939 – 23 January 2018) was a South African trumpeter, flugelhornist, cornetist, singer and composer who was described as "the father of South African jazz". Masekela was known for his jazz compositions and for writing well-known anti-apartheid songs such as "Soweto Blues" and "Bring Him Back Home". He also had a number-one US pop hit in 1968 with his version of "Grazing in the Grass".

Early life
Hugh Ramapolo Masekela was born in the township of KwaGuqa in Witbank (now called Emalahleni), South Africa, to Thomas Selena Masekela, who was a health inspector and sculptor and his wife, Pauline Bowers Masekela, a social worker. His younger sister Barbara Masekela is a poet, educator and ANC activist. As a child, he began singing and playing piano and was largely raised by his grandmother, who ran an illegal bar for miners. At the age of 14, after seeing the 1950 film Young Man with a Horn (in which Kirk Douglas plays a character modelled on American jazz cornetist Bix Beiderbecke), Masekela took up playing the trumpet. His first trumpet was bought for him from a local music store by Archbishop Trevor Huddleston, the anti-apartheid chaplain at St. Peter's Secondary School now known as St. Martin's School (Rosettenville).

Huddleston asked the leader of the then Johannesburg "Native" Municipal Brass Band, Uncle Sauda, to teach Masekela the rudiments of trumpet playing. Masekela quickly mastered the instrument. Soon, some of his schoolmates also became interested in playing instruments, leading to the formation of the Huddleston Jazz Band, South Africa's first youth orchestra. When Louis Armstrong heard of this band from his friend Huddleston he sent one of his own trumpets as a gift for Hugh. By 1956, after leading other ensembles, Masekela joined Alfred Herbert's African Jazz Revue.

From 1954, Masekela played music that closely reflected his life experience. The agony, conflict, and exploitation faced by South Africa during the 1950s and 1960s inspired and influenced him to make music and also spread political change. He was an artist who in his music vividly portrayed the struggles and sorrows, as well as the joys and passions of his country. His music protested about apartheid, slavery, government; the hardships individuals were living. Masekela reached a large population that also felt oppressed due to the country's situation.

Following a Manhattan Brothers tour of South Africa in 1958, Masekela joined the orchestra of the musical King Kong, written by Todd Matshikiza. King Kong was South Africa's first blockbuster theatrical success, touring the country for a sold-out year with Miriam Makeba and the Manhattan Brothers' Nathan Mdledle in the lead. The musical later went to London's West End for two years.

Career
At the end of 1959, Dollar Brand (later known as Abdullah Ibrahim), Kippie Moeketsi, Makhaya Ntshoko, Jonas Gwangwa, Johnny Gertze and Hugh formed the Jazz Epistles, the first African jazz group to record an LP. They performed to record-breaking audiences in Johannesburg and Cape Town through late 1959 to early 1960.

Following the 21 March 1960 Sharpeville massacre—where 69 protestors were shot dead in Sharpeville, and the South African government banned gatherings of ten or more people—and the increased brutality of the Apartheid state, Masekela left the country. He was helped by Trevor Huddleston and international friends such as Yehudi Menuhin and John Dankworth, who got him admitted into London's Guildhall School of Music in 1960. During that period, Masekela visited the United States, where he was befriended by Harry Belafonte. After securing a scholarship back in London, Masekela moved to the United States to attend the Manhattan School of Music in New York, where he studied classical trumpet from 1960 to 1964. In 1964, Miriam Makeba and Masekela were married, divorcing two years later.

He had hits in the US with the pop jazz tunes "Up, Up and Away" (1967) and the number-one smash "Grazing in the Grass" (1968), which sold four million copies. He also appeared at the Monterey Pop Festival in 1967, and was subsequently featured in the film Monterey Pop by D. A. Pennebaker and mentioned in the song Monterey by Eric Burdon & the Animals. In 1974, Masekela and friend Stewart Levine organised the Zaire 74 music festival in Kinshasa set around the Rumble in the Jungle boxing match.

He played primarily in jazz ensembles, with guest appearances on recordings by the Byrds ("So You Want to Be a Rock 'n' Roll Star" and "Lady Friend") and Paul Simon ("Further to Fly"). In 1984, Masekela released the album Techno Bush; from that album, a single entitled "Don't Go Lose It Baby" peaked at number two for two weeks on the dance charts. In 1987, he had a hit single with "Bring Him Back Home". The song became enormously popular, and turned into an unofficial anthem of the anti-apartheid movement and an anthem for the movement to free Nelson Mandela.

A renewed interest in his African roots led Masekela to collaborate with West and Central African musicians, and finally to reconnect with Southern African players when he set up with the help of Jive Records a mobile studio in Botswana, just over the South African border, from 1980 to 1984. Here he re-absorbed and re-used mbaqanga strains, a style he continued to use following his return to South Africa in the early 1990s.

In 1985 Masekela founded the Botswana International School of Music (BISM), which held its first workshop in Gaborone in that year. The event, still in existence, continues as the annual Botswana Music Camp, giving local musicians of all ages and from all backgrounds the opportunity to play and perform together. Masekela taught the jazz course at the first workshop, and performed at the final concert.

Also in the 1980s, Masekela toured with Paul Simon in support of Simon's album Graceland, which featured other South African artists such as Ladysmith Black Mambazo, Miriam Makeba, Ray Phiri, and other elements of the band Kalahari, which was co-founded by guitarist Banjo Mosele and which backed Masekela in the 1980s. As well as recording with Kalahari, he also collaborated in the musical development for the Broadway play Sarafina!, which premiered in 1988.

In 2003, he was featured in the documentary film Amandla!: A Revolution in Four-Part Harmony. In 2004, he released his autobiography, Still Grazing: The Musical Journey of Hugh Masekela, co-authored with journalist D. Michael Cheers, which detailed Masekela's struggles against apartheid in his homeland, as well as his personal struggles with alcoholism from the late 1970s to the 1990s. In this period, he migrated, in his personal recording career, to mbaqanga, jazz/funk, and the blending of South African sounds, through two albums he recorded with Herb Alpert, and solo recordings, Techno-Bush (recorded in his studio in Botswana), Tomorrow (featuring the anthem "Bring Him Back Home"), Uptownship (a lush-sounding ode to American R&B), Beatin' Aroun de Bush, Sixty, Time, and Revival. His song "Soweto Blues", sung by his former wife, Miriam Makeba, is a blues/jazz piece that mourns the carnage of the Soweto riots in 1976. He also provided interpretations of songs composed by Jorge Ben, Antônio Carlos Jobim, Caiphus Semenya, Jonas Gwangwa, Dorothy Masuka, and Fela Kuti.

In 2006 Masekela was described by Michael A. Gomez, professor of history and Middle Eastern and Islamic studies at New York University as "the father of African jazz."

In 2009, Masekela released the album Phola (meaning "to get well, to heal"), his second recording for 4 Quarters Entertainment/Times Square Records. It includes some songs he wrote in the 1980s but never completed, as well as a reinterpretation of "The Joke of Life (Brinca de Vivre)", which he recorded in the mid-1980s. From October 2007, he was a board member of the Woyome Foundation for Africa.

In 2010, Masekela was featured, with his son Selema Masekela, in a series of videos on ESPN. The series, called Umlando – Through My Father's Eyes, was aired in 10 parts during ESPN's coverage of the FIFA World Cup in South Africa. The series focused on Hugh's and Selema's travels through South Africa. Hugh brought his son to the places he grew up. It was Selema's first trip to his father's homeland. On 3 December 2013, Masekela guested with the Dave Matthews Band in Johannesburg, South Africa. He joined Rashawn Ross on trumpet for "Proudest Monkey" and "Grazing in the Grass".

In 2016, at Emperors Palace, Johannesburg, Masekela and Abdullah Ibrahim performed together for the first time in 60 years, reuniting the Jazz Epistles in commemoration of the 40th anniversary of the historic 16 June 1976 youth demonstrations.

Social initiatives
Masekela was involved in several social initiatives, and served as a director on the board of the Lunchbox Fund, a non-profit organization that provides a daily meal to students of township schools in Soweto.

Personal life and death
From 1964 to 1966 Masekela was married to singer and activist Miriam Makeba. He had subsequent marriages to Chris Calloway (daughter of Cab Calloway), Jabu Mbatha, and Elinam Cofie. During the last few years of his life, he lived with the dancer Nomsa Manaka. He was the father of American television host Selema Masekela. Poet, educator, and activist Barbara Masekela is his younger sister.

Masekela died in Johannesburg on the early morning of 23 January 2018 from prostate cancer, aged 78.

Awards and honours
Masekela was honoured with a Google Doodle on 4 April 2019, which would have been his 80th birthday. The Doodle depicts Masekela, dressed in colourful shirt, playing a flugelhorn in front of a banner.

Grammy history
Masekela was nominated for a Grammy Award three times, including a nomination for Best World Music Album for his 2012 album Jabulani, one for Best Musical Cast Show Album for Sarafina! The Music Of Liberation (1989) and one for Best Contemporary Pop Performance for the song "Grazing in the Grass" (1968).

Honours

 * Rhodes University: Doctor of Music (honoris causa), 2015
 * University of York: Honorary Doctorate in Music 2014
 * Order for Meritorious Service in silver: 2003
 * Order of Ikhamanga in gold: 2010 South African National Orders Ceremony, 27 April 2010
 * Ghana Music Awards: 2007 African Music Legend award
 * 2005 Channel O Music Video Awards: Lifetime Achievement Award
 * 2002 BBC Radio Jazz Awards: International Award of the Year
 * Nominated for Broadway's 1988 Tony Award for Best Score (Musical), with music and lyrics collaborator Mbongeni Ngema, for Sarafina!
 * 2016 MTV Africa Music Awards (MAMAs): Legend Award

Autobiography

 * With D. Michael Cheers (2004). Still Grazing: The Musical Journey of Hugh Masekela, Crown, ISBN 978-0-609-60957-6

title: Hugh Masekela


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Harriet Beecher Stowe

Harriet Elisabeth Beecher Stowe (June 14, 1811 – July 1, 1896) was an American author and abolitionist. She came from the religious Beecher family and wrote the popular novel Uncle Tom's Cabin (1852), which depicts the harsh conditions experienced by enslaved African Americans. The book reached an audience of millions as a novel and play, and became influential in the United States and in Great Britain, energizing anti-slavery forces in the American North, while provoking widespread anger in the South. Stowe wrote 30 books, including novels, three travel memoirs, and collections of articles and letters. She was influential both for her writings as well as for her public stances and debates on social issues of the day.

Life and work
Harriet Elisabeth Beecher was born in Litchfield, Connecticut, on June 14, 1811. She was the sixth of 11 children born to outspoken Calvinist preacher Lyman Beecher. Her mother was his first wife, Roxana (Foote), a deeply religious woman who died when Stowe was only five years old. Roxana's maternal grandfather was General Andrew Ward of the Revolutionary War. Harriet's siblings included a sister, Catharine Beecher, who became an educator and author, as well as brothers who became ministers: including Henry Ward Beecher, who became a famous preacher and abolitionist, Charles Beecher, and Edward Beecher.

Harriet enrolled in the Hartford Female Seminary run by her older sister Catharine, where she received a traditional academic education – rather uncommon for women at the time – with a focus in the Classics, languages, and mathematics. Among her classmates was Sarah P. Willis, who later wrote under the pseudonym Fanny Fern.

In 1832, at the age of 21, Harriet Beecher moved to Cincinnati, Ohio, to join her father, who had become the president of Lane Theological Seminary. There, she also joined the Semi-Colon Club, a literary salon and social club whose members included the Beecher sisters, Caroline Lee Hentz, Salmon P. Chase (future governor of Ohio and United States Secretary of the Treasury under President Lincoln), Emily Blackwell and others. Cincinnati's trade and shipping business on the Ohio River was booming, drawing numerous migrants from different parts of the country, including many escaped slaves, bounty hunters seeking them, and Irish immigrants who worked on the state's canals and railroads. In 1829 the ethnic Irish attacked blacks, wrecking areas of the city, trying to push out these competitors for jobs. Beecher met a number of African Americans who had suffered in those attacks, and their experience contributed to her later writing about slavery. Riots took place again in 1836 and 1841, driven also by native-born anti-abolitionists.

Harriet was also influenced by the Lane Debates on Slavery. The biggest event ever to take place at Lane, it was the series of debates held on 18 days in February 1834, between colonization and abolition defenders, decisively won by Theodore Weld and other abolitionists. Elisabeth attended most of the debates. Her father and the trustees, afraid of more violence from anti-abolitionist whites, prohibited any further discussions of the topic. The result was a mass exodus of the Lane students, together with a supportive trustee and a professor, who moved as a group to the new Oberlin Collegiate Institute after its trustees agreed, by a close and acrimonious vote, to accept students regardless of "race", and to allow discussions of any topic.

It was in the literary club at Lane that she met Rev. Calvin Ellis Stowe, a widower who was a professor of Biblical Literature at the seminary. The two married at the Seminary on January 6, 1836. The Stowes had seven children, including twin daughters.

Uncle Tom's Cabin and Civil War
Congress passed the Fugitive Slave Act of 1850, prohibiting assistance to fugitives and strengthening sanctions even in free states. At the time, Stowe had moved with her family to Brunswick, Maine, where her husband was now teaching at Bowdoin College. Their home near the campus is protected as a National Historic Landmark. The Stowes were ardent critics of slavery and supported the Underground Railroad, temporarily housing several fugitive slaves in their home. One fugitive from slavery, John Andrew Jackson, wrote of hiding with Stowe in her house in Brunswick as he fled to Canada in his narrative titled "The Experience of a Slave in South Carolina" (London: Passmore & Albaster, 1862).

Stowe claimed to have had a vision of a dying slave during a communion service at Brunswick's First Parish Church, which inspired her to write his story. What also likely allowed her to empathize with slaves was the loss of her eighteen-month-old son, Samuel Charles Stowe. She noted, "Having experienced losing someone so close to me, I can sympathize with all the poor, powerless slaves at the unjust auctions. You will always be in my heart Samuel Charles Stowe." On March 9, 1850, Stowe wrote to Gamaliel Bailey, editor of the weekly anti-slavery journal The National Era, that she planned to write a story about the problem of slavery: "I feel now that the time is come when even a woman or a child who can speak a word for freedom and humanity is bound to speak ... I hope every woman who can write will not be silent." Shortly after in June 1851, when she was 40, the first installment of Uncle Tom's Cabin was published in serial form in the newspaper The National Era. She originally used the subtitle "The Man That Was a Thing", but it was soon changed to "Life Among the Lowly". Installments were published weekly from June 5, 1851, to April 1, 1852. For the newspaper serialization of her novel, Stowe was paid $400. Uncle Tom's Cabin was published in book form on March 20, 1852, by John P. Jewett with an initial print run of 5,000 copies. Each of its two volumes included three illustrations and a title-page designed by Hammatt Billings. In less than a year, the book sold an unprecedented 300,000 copies. By December, as sales began to wane, Jewett issued an inexpensive edition at 37½ cents each to stimulate sales. Sales abroad, as in Britain where the book was a great success, earned Stowe nothing as there was no international copyright agreement in place during that era. In 1853 Stowe undertook a lecture tour of Britain and, to make up the royalties that she could not receive there, the Glasgow New Association for the Abolition of Slavery set up Uncle Tom's Offering.

According to Daniel R. Vollaro, the goal of the book was to educate Northerners on the realistic horrors of the things that were happening in the South. The other purpose was to try to make people in the South feel more empathetic towards the people they were forcing into slavery. The book's emotional portrayal of the effects of slavery on individuals captured the nation's attention. Stowe showed that slavery touched all of society, beyond the people directly involved as masters, traders and slaves. Her novel added to the debate about abolition and slavery, and aroused opposition in the South. In the South, Stowe was depicted as out of touch, arrogant, and guilty of slander. Within a year, 300 babies in Boston alone were named Eva (one of the book's characters), and a play based on the book opened in New York in November. Southerners quickly responded with numerous works of what are now called anti-Tom novels, seeking to portray Southern society and slavery in more positive terms. Many of these were bestsellers, although none matched the popularity of Stowe's work, which set publishing records.

After the start of the Civil War, Stowe traveled to the capital, Washington, D.C., where she met President Abraham Lincoln on November 25, 1862. Stowe's daughter, Hattie, reported, "It was a very droll time that we had at the White house I assure you ... I will only say now that it was all very funny – and we were ready to explode with laughter all the while." What Lincoln said is a minor mystery. Her son later reported that Lincoln greeted her by saying, "so you are the little woman who wrote the book that started this great war", but this story has been found to be apocryphal. Her own accounts are vague, including the letter reporting the meeting to her husband: "I had a real funny interview with the President."

Later years
Stowe purchased property near Jacksonville, Florida. In response to a newspaper article in 1873, she wrote, "I came to Florida the year after the war and held property in Duval County ever since. In all this time I have not received even an incivility from any native Floridian."

Stowe is controversial for her support of Elizabeth Campbell, Duchess of Argyll, whose grandfather had been a primary enforcer of the Highland Clearances, the transformation of the remote Highlands of Scotland from a militia-based society to an agricultural one that supported far fewer people. The newly homeless moved to Canada, where very bitter accounts appeared. It was Stowe's assignment to refute them using evidence the Duchess provided, in Letter XVII Volume 1 of her travel memoir Sunny Memories of Foreign Lands. Stowe was criticized for her seeming defense of the clearances.

In 1868, Stowe became one of the first editors of Hearth and Home magazine, one of several new publications appealing to women; she departed after a year. Stowe campaigned for the expansion of married women's rights, arguing in 1869 that:

"[T]he position of a married woman ... is, in many respects, precisely similar to that of the negro slave. She can make no contract and hold no property; whatever she inherits or earns becomes at that moment the property of her husband ... Though he acquired a fortune through her, or though she earned a fortune through her talents, he is the sole master of it, and she cannot draw a penny ... [I]n the English common law a married woman is nothing at all. She passes out of legal existence."

In the 1870s, Stowe's brother Henry Ward Beecher was accused of adultery, and became the subject of a national scandal. Unable to bear the public attacks on her brother, Stowe again fled to Florida but asked family members to send her newspaper reports. Through the affair, she remained loyal to her brother and believed he was innocent.

After her return to Connecticut, Mrs. Stowe was among the founders of the Hartford Art School, which later became part of the University of Hartford.

Following the death of her husband, Calvin Stowe, in 1886, Harriet started rapidly to decline in health. By 1888, The Washington Post reported that as a result of dementia the 77-year-old Stowe started writing Uncle Tom's Cabin over again. She imagined that she was engaged in the original composition, and for several hours every day she industriously used pen and paper, inscribing passages of the book almost exactly word for word. This was done unconsciously from memory, the author imagining that she composed the matter as she went along. To her diseased mind the story was brand new, and she frequently exhausted herself with labor that she regarded as freshly created.

Mark Twain, a neighbor of Stowe's in Hartford, recalled her last years in the following passage of his autobiography: "Her mind had decayed, and she was a pathetic figure. She wandered about all the day long in the care of a muscular Irish woman. Among the colonists of our neighborhood the doors always stood open in pleasant weather. Mrs. Stowe entered them at her own free will, and as she was always softly slippered and generally full of animal spirits, she was able to deal in surprises, and she liked to do it. She would slip up behind a person who was deep in dreams and musings and fetch a war whoop that would jump that person out of his clothes. And she had other moods. Sometimes we would hear gentle music in the drawing-room and would find her there at the piano singing ancient and melancholy songs with infinitely touching effect."

Modern researchers now speculate that at the end of her life she was suffering from Alzheimer's disease.

Harriet Beecher Stowe died on July 1, 1896, in Hartford, Connecticut, 17 days after her 85th birthday. She is buried in the historic cemetery at Phillips Academy in Andover, Massachusetts, along with her husband and their son Henry Ellis.

Landmarks
Multiple landmarks are dedicated to the memory of Harriet Beecher Stowe, and are located in several states including Ohio, Florida, Maine and Connecticut. The locations of these landmarks represent various periods of her life such as her father's house where she grew up, and where she wrote her most famous work.

The Harriet Beecher Stowe House in Cincinnati, Ohio, is the former home of her father Lyman Beecher on the former campus of the Lane Seminary. Her father was a preacher who was greatly affected by the pro-slavery Cincinnati Riots of 1836. Harriet Beecher Stowe lived here until her marriage. It is open to the public and operated as a historical and cultural site, focusing on Harriet Beecher Stowe, the Lane Seminary and the Underground Railroad. The site also presents African-American history.

In the 1870s and 1880s, Stowe and her family wintered in Mandarin, Florida, now a neighborhood of modern consolidated Jacksonville, on the St. Johns River. Stowe wrote Palmetto Leaves while living in Mandarin, arguably an eloquent piece of promotional literature directed at Florida's potential Northern investors at the time. The book was published in 1873 and describes Northeast Florida and its residents. In 1874, Stowe was honored by the governor of Florida as one of several northerners who had helped Florida's growth after the war. In addition to her writings inspiring tourists and settlers to the area, she helped establish a church and a school, and she helped promote oranges as a major state crop through her own orchards. The school she helped establish in 1870 was an integrated school in Mandarin for children and adults. This predated the national movement toward integration by more than a half century. The marker commemorating the Stowe family is located across the street from the former site of their cottage. It is on the property of the Community Club, at the site of a church where Stowe's husband once served as a minister. The Church of our Saviour is an Episcopal Church founded in 1880 by a group of people who had gathered for Bible readings with Professor Calvin E. Stowe and his famous wife. The house was constructed in 1883 which contained the Stowe Memorial stained glass window, created by Louis Comfort Tiffany.

The Harriet Beecher Stowe House in Brunswick, Maine, is where Stowe lived when she wrote Uncle Tom's Cabin. Her husband was teaching theology at nearby Bowdoin College, and she regularly invited students from the college and friends to read and discuss the chapters before publication. Future Civil War general, and later Governor, Joshua Chamberlain was then a student at the college and later described the setting. "On these occasions," Chamberlain noted, "a chosen circle of friends, mostly young, were favored with the freedom of her house, the rallying point being, however, the reading before publication, of the successive chapters of her Uncle Tom's Cabin, and the frank discussion of them." In 2001, Bowdoin College purchased the house, together with a newer attached building, and was able to raise the substantial funds necessary to restore the house. It is now open to the public.

The Harriet Beecher Stowe House in Hartford, Connecticut, is the house where Stowe lived for the last 23 years of her life. It was next door to the house of fellow author Mark Twain. In this 5000 sqft cottage-style house, there are many of Beecher Stowe's original items and items from the time period. In the research library, which is open to the public, there are numerous letters and documents from the Beecher family. The house is open to the public and offers house tours on the hour.

In 1833, during Stowe's time in Cincinnati, the city was afflicted with a serious cholera epidemic. To avoid illness, Stowe made a visit to Washington, Kentucky, a major community of the era just south of Maysville. She stayed with the Marshall Key family, one of whose daughters was a student at Lane Seminary. It is recorded that Mr. Key took her to see a slave auction, as they were frequently held in Maysville. Scholars believe she was strongly moved by the experience. The Marshall Key home still stands in Washington. Key was a prominent Kentuckian; his visitors also included Henry Clay and Daniel Webster.

The Uncle Tom's Cabin Historic Site is part of the restored Dawn Settlement at Dresden, Ontario, which is 20 miles east of Algonac, Michigan. The community for freed slaves founded by the Rev. Josiah Henson and other abolitionists in the 1830s has been restored. There's also a museum. Henson and the Dawn Settlement provided Stowe with the inspiration for Uncle Tom's Cabin.

Honors

 * In 1986, Stowe was inducted into the National Women's Hall of Fame.
 * On June 13, 2007, the United States Postal Service issued a 75¢ Distinguished Americans series postage stamp in her honor.
 * Harris–Stowe State University in St. Louis, Missouri, is named for Stowe and William Torrey Harris.
 * In 2010, Stowe was proposed by the Ohio Historical Society as a finalist in a statewide vote for inclusion in Statuary Hall at the United States Capitol (Thomas Edison was chosen instead).

Novels

 * (First two chapters of serialized version which ran for 40 numbers.) (Digitized version of entire series by University of Virginia.)
 * (Published in 2 volumes; stereotyped by Hobart & Robbins.) (One volume 1853 edition is hosted by HathiTrust.)
 * (Title from first number.)
 * (First English illustrated edition.) (Digital copy hosted by HathiTrust.)
 * (Ebook available at Project Gutenberg.)
 * (Digital copy hosted by Archive.org)
 * (Digitized version at UPenn Digital Library)
 * (1871 printing available at Internet Archive.)
 * (Ebook available at Project Gutenberg.)
 * (Digital copy hosted by HathiTrust.)
 * (co-authored with Adeline D.T. Whitney, Lucretia P. Hale, Frederic W. Loring, Frederic B. Perkins and Edward E. Hale.) (Digital copy at Google Books.)
 * [1875]. (Sequel to My wife and I.) (Digital copy hosted by HathiTrust.)
 * (Digital copy hosted by HathiTrust.)
 * (co-authored with Adeline D.T. Whitney, Lucretia P. Hale, Frederic W. Loring, Frederic B. Perkins and Edward E. Hale.) (Digital copy at Google Books.)
 * [1875]. (Sequel to My wife and I.) (Digital copy hosted by HathiTrust.)

Drama

 * (Closet drama or reading version based on Uncle Tom's Cabin.) (Digital copy hosted by HathiTrust.)

Poetry

 * (Digital copy hosted by Internet Archive.)

Non-fiction

 * (As Harriet E. Beecher.)
 * [ca. 1845].
 * [1849].
 * 1852?. (Self-published book to raise funds to educate Emily and Mary Edmonson, former slaves redeemed by a public subscription in 1848, supported by Stowe.)
 * (Digital Copy hosted by HathiTrust.)
 * (Digital copy hosted by HathiTrust: Volume I and Volume II.)
 * (Digital copy hosted by HathiTrust.)
 * [1865]. (Nimmo's Sixpenny Juvenile Series.) (Digital copy hosted by University of Florida's George A. Smathers Library.)
 * (Published under the name of Christopher Crowfield.) (Digital copy hosted by Archive.org.)
 * (Published under the name of Christopher Crowfield.) (Digital copy hosted by Archive.org.)
 * (Digital copy hosted by HathiTrust.)
 * (Published under the name of Christopher Crowfield.) (Digital copy hosted by HathiTrust.)* (Written with Catherine Beecher.) (Digitized version at MSU Historic American Cookbook Project.) Textbook version:  (Digital copy hosted by Archive.com.)
 * (Digital copy at Archive.org.)
 * (Ebook available at Project Gutenberg.)
 * (Digital copy is hosted by Archive.org.)
 * (Digital copy of 1874 printing is hosted at Archive.org.)
 * (Digital copy hosted by HathiTrust.)
 * (Digital copy hosted by HathiTrust.)
 * [1878]. (Digital copy hosted at Hathi Trust.)
 * [published between 1889 and 1883]. (Digital copy of 1901 edition published by Fleming N. Revell hosted by Archive.org.)
 * (Collection of children's stories consisting of "A Dog's Mission", "Lulu's Pupil", "The Daisy's First Winter", "Our Charley", "Take Care of the Hook", "A Talk about Birds", "The Nest in the Orchard" AND "The Happy Child".) (Digital copy hosted by HathiTrust.)

Collections

 * (Consists of the stories: "Love versus Law", "The Tea-rose", "Trials of a Housekeeper", "Little Edward", "Let Every Man Mind His Own Business", "Cousin William", "Uncle Tim", "Aunt Mary", "Frankness", "The Sabbath", "So many Calls", "The Canal-boat", "Feeling", "The Sempstress", "Old Father Morris". (Digital copy hosted by Archive.org.)
 * (Consists of the following sketches: "Account of Mrs. Beecher Stowe and her Family", "Uncle Sam's Emancipation", "Earthly Care, A Heavenly Discipline", "A Scholar's Adventure in the Country", "Children", "The Two Bibles", "Letter from Maine, No. 1", "Letter from Maine, No. 2", "Christmas; or, The Good Fairy".) (Digital copy hosted at HathiTrust.)
 * (A collection of works consisting of: "The New Year's Gift", "The Bible, The Source of Sure Comfort", "Make to Yourselves Driends", "Earthly Care, A Heavenly Discipline", "So Many Calls", "Learn of Children", "Anti-slavery Meeting in Glasgow, Letter from Mrs. Stowe to Dr Wardlaw".)
 * (Published under the name of Christopher Crowfield.) (Digital copy hosted by HathiTrust.) (Consists of the following stories: "The Hen That Hatched Ducks", "The Nutcracker of Nutcracker Lodge", "The History of Tip-Top", "Miss Katy-Did and Miss Cricket", "Mother Magpie's Micschief", "The Squirrels that Live in a House", "Hum, the Son of Buz", "Our Country Neighbors", "Our Dogs", "Dogs and Cats", "Aunt Esther's Rules", "Aunt Esther's Stories", "Sir Walter Scott and his Dogs" and "Country Neighbors Again".)
 * (Digital copy hosted by HathiTrust.) (Consists of the stories: "The Ghost in the Mill", "The Sullivan Looking-Glass", "The Minister's Housekeeper", "The Widow's Bandbox", "Captain Kidd's Money", Mis' Elderkin's Pitcher, "The Ghost in the Cap'n Brownhouse".)
 * (In addition to the title story, the book includes "Deacon Pitkin's Farm" and "The First Christmas of New England".) (Digital copy hosted by HathiTrust.)
 * (Digital copy hosted by HathiTrust.) (Consists of: "The Ghost in the Mill", "The Sullivan Looking-Glass", "The Minister's Housekeeper", "The Widow's Bandbox", "Captain Kidd's Money", Mis' Elderkin's pitcher, "The Ghost in the Cap'n Brown House", "Colonel Eph's Shoebuckles", "The Bull-Fight", "How to Fight the Devil", "Laughin' in Meetin, "Tom Toothacre's Ghost Story", "The Parson's Horse-Race", "Oldtown Fireside Talks of the Revolution" and "A Student's Sea Story".)

Stories and articles

 * and
 * "Mark Meriden" in (Digital copy hosted by HathiTrust.)
 * and
 * and
 * and
 * and
 * and (Reprinted in a collection of leading abolitionists with facsimile signatures of the authors:  Digitised by Archive.org.)
 * "Mark Meriden" in (Digital copy hosted by HathiTrust.)
 * and
 * and
 * and
 * and
 * and (Reprinted in a collection of leading abolitionists with facsimile signatures of the authors:  Digitised by Archive.org.)
 * and
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license: Creative Commons - Attribution Share-Alike - https://creativecommons.org/licenses/by-sa/4.0/

title: Harriet Beecher Stowe


text:
Arabic name

Arabic language names have historically been based on a long naming system. Many people from the Arabic-speaking and also non-Arab Muslim countries have not had given/middle/family names but rather a chain of names. This system remains in use throughout the Arabic and Muslim worlds.

The  (اسم) is the given name, first name, or personal name; e.g. "Ahmad" or "Fatima". Most Arabic names have meaning as ordinary adjectives and nouns, and are often aspirational of character. For example, Muhammad means 'Praiseworthy' and Ali means 'Exalted' or 'High'.

The syntactic context will generally differentiate the name from the noun/adjective. However Arabic newspapers will occasionally place names in brackets, or quotation marks, to avoid confusion.

In fact, the name Muhammad is so popular throughout parts of Africa, Arabia, the Middle East, South Asia and Southeast Asia, that it is often represented by the abbreviation "Md.", "Mohd.", "Muhd.", or just "M.". In India, Pakistan, Bangladesh, Malaysia, Indonesia and the Philippines, due to its almost ubiquitous use as a first name, a person will often be referred to by their second name:
 * Md. Dinar Ibn Raihan
 * Mohd. Umair Tanvir
 * Md. Osman

The nasab (نسب) is a patronymic or matronymic, or a series thereof. It indicates the person's heritage by the word ibn (ابن "son of", colloquially bin) or ibnat ("daughter of", also بنت bint, abbreviated bte.).

Ibn Khaldun (ابن خلدون) means "son of Khaldun". Khaldun is the father's personal name or, in this particular case, the name of a remote male ancestor.

ʿAmmār ibn Sumayya means "ʿAmmār son of Sumayya". Sumayya is the personal name of ʿAmmār's mother, the same person can also be identified by his father's personal name "ʿAmmār ibn Yasir". In later Islamic periods the nasab was an important tool in determining a child's father by means of describing paternity in a social (i.e. to whom was the mother legally married during the conception of the child), not a biological sense, because the father's biological identity can be grounds for speculation. In early Islamic contexts this function is not yet well established. This stems from a legal principle introduced by Islam regarding the legal status of children (they can only arise from marriage) and changes to waiting periods relating to divorce to establish an undisputed legal father for any child. This function only developing with Islam means that one can find many Companions of the Prophet bearing a maternal nasab, as the naming conventions reflected in their names still stem from pre-Islamic attitudes and beliefs.

Several nasab names can follow in a chain to trace a person's ancestry backwards in time, as was important in the tribal society of medieval Arabs, both for purposes of identification and for socio-political interactions. Today, however, ibn or bint is no longer used (unless it is the official naming style in a country, region, etc.: Adnen bin Abdallah). The plural is ' for males and ' for females. However, ' or ' is tribal and encompasses both sexes.

The laqab (لقب), pl. alqāb (ألقاب), can be translated to English as agnomen; cognomen; nickname; title, honorific; last name, surname, family name. The laqab is typically descriptive of the person.

An example is the name of the Abbasid caliph Harun al-Rashid, which uses the definite article al-. ' is the Arabic version of the name Aaron and ' means "the Rightly-Guided".

Another common form of is that of compounds ending with  (lit. 'of the faith' or 'of the religion'),  ('of the State'),  ('of the Kingdom'), or  ('of Islam'). Examples include Ṣalāḥ al-Dīn, Shams al-Dīn, Nūr al-Dīn, Izz al-Din, Nāṣir al-Dawla, Niẓām al-Mulk, Sayf al-Islām.

In ancient Arab societies, use of a laqab was common, but today is restricted to the surname, or family name, of birth.

The nisbah (نسبة) surname could be an everyday name, but is mostly the name of the ancestral tribe, clan, family, profession, town, city, country, or any other term used to show relevance. It follows a family through several generations. A demonym example is الحلبي al-Halabi, meaning that the person from a family of Aleppo or descendant of people from Aleppo. For a profession example, الخياط al-khayyat meaning "the tailor".

The laqab and nisbah are similar in use, but they could be used simultaneously. For example: Sayf Al-Dīn Al-Halabi.

A kunya (كنية, kunyah) is a teknonym in Arabic names. It is a component of an Arabic name, a type of epithet, in theory referring to the bearer's first-born son or daughter. By extension, it may also have hypothetical or metaphorical references, e.g. in a nom de guerre or a nickname, without literally referring to a son or a daughter. For example, Sabri Khalil al-Banna was known as Abu Nidal, "father of struggle".

Use of a kunya implies a familiar but respectful setting.

A kunya is expressed by the use of abū (father) or umm (mother) in a genitive construction, i.e. "father of" or "mother of" as an honorific in place of or alongside given names in the Arab world.

A kunya may also be a nickname expressing the attachment of an individual to a certain thing, as in Abu Bakr, "father of the camel foal", given because of this person's kindness towards camels.

Arab Muslim
A common name-form among Arab Muslims is the prefix ' ("Worshipper", fem. ') combined with the word for God (Allah),  (عبد الله "Worshipper of God"), or with one of the epithets of God.

As a mark of deference,  is usually not conjoined with the prophet's names. Nonetheless, such names are accepted in some areas. Its use is not exclusive to Muslims and throughout all Arab countries, the name Abdel-Massih, "Servant of Christ", is a common Christian last name.

Converts to Islam may often continue using the native non-Arabic non-Islamic names that are without any polytheistic connotation, or association.

Arab Christian
To an extent Arab Christians have names indistinguishable from Muslims, except some explicitly Islamic names, e.g. Muhammad. Some common Christian names are:
 * Arabic versions of Christian names (e.g. saints' names:  for Saint Peter).
 * Names of Greek, Armenian, and Aramaic or Neo-Aramaic origin, which are also used by ethnically "Non Arab" Christians such as Armenians, Assyrians, Egyptian Copts and Aramean Syriac Christians.
 * Use of European names, especially French, Greek and, to a lesser extent, Spanish ones (in Morocco). This has been a relatively recent centuries-long convention for Christian Arabs, especially in the Levant. For example: Émile Eddé, George Habash, Charles Helou, Camille Chamoun, Pierre Dagher.
 * Names in honor of Jesus Christ:
 * ' (masc. ) / ' (fem.) ("Servant of Jesus")
 * ' (masc.) / ' (fem.) ("Servant of the Messiah")
 * Derivations of ' ("Messiah"): ' ("Most Anointed"), ' ("More Anointed"), ' "Anointed" and ' "Infant Christ". The root, ', means "to anoint" (as in masah) and is cognate to the Hebrew .

Dynastic or family name
Some people, especially in the Arabian Peninsula, when descendant of a famous ancestor, start their last name with Āl "family, clan" (آل), like the House of Saud ﺁل سعود Āl Suʻūd or Al ash-Sheikh ("family of the sheikh"). Āl is distinct from the definite article (ال). If a reliably-sourced version of the Arabic spelling includes آل (as a separate graphic word), then this is a case of the definite article, so  (capitalised and followed by a space, not a hyphen) should be used. Ahl, which has a similar meaning, is sometimes used and should be used if the Arabic spelling is أهل.

Dynasty membership alone does necessarily imply that the dynastic آل is used – e.g. Bashar al-Assad.

Example
محمد بن سلمان بن أمین الفارسي

Muḥammad ibn Salmān ibn Amīn al-Fārisī

 * Ism – Muḥammad (proper name, lit. "praised")
 * Nasab – Salmān (father's name, lit. "secure")
 * Nasab – Amīn (grandfather's name, "trustworthy")
 * Nisbah – al-Fārisī ("the Persian").

"Muḥammad, son of Salmān, son of Amīn, the Persian"

This person would simply be referred to as "Muḥammad" or by his kunya, which relates him to his first-born son, e.g. Abū Karīm "father of Karīm". To signify respect or to specify which Muḥammad one is speaking about, the name could be lengthened to the extent necessary or desired.

Common mistakes
Non-Arabic speakers often make these mistakes:
 * Separating "the X of Y" word combinations (see iḍāfah):
 * With "Abdul": Arabic names may be written "Abdul (something)", but "Abdul" means "servant of the" or "follower of the" and is not, by itself, a name. Thus for example, to address Abdul-Rahman bin Omar al-Ahmad by his given name, one says "Abdul-Rahman", not merely "Abdul". If he introduces himself as "Abdul-Rahman" (which means "the servant of the Merciful"), one does not say "Mr. Rahman" (as "Rahman" is not a family name but part of his theophoric personal name); instead it would be Mr. al-Ahmad, the latter being the family name. Therefore, it is better to write "Abdul Rahman" as "abdu r-rahmān" and "abdul ghafār" as "abdu l-ghafār".
 * People not familiar with Arabic sandhi in iḍāfah: Habībullāh = "beloved (Habīb) of God (Allāh)"; here a person may in error report the man's name as "forename Habib, surname Ullah". Likewise, people may confuse a name such as Jalālu-d-dīn ("The majesty of the religion") as being "Jalal Uddin", or "Mr. Uddin", when "Uddin" is not a surname, but the second half of a two-word name (the desinence -u of the construct state nominative, plus the article, appearing as -d-, plus the genitive dīn[i]). To add to the confusion, some immigrants to Western countries have adopted Uddin as a surname, although it is grammatically incorrect in Arabic outside the context of the associated "first name". Even Indian Muslims commit the same error. If a person's name is Abd-ul-Rahim ("servant of the Merciful"), others may call him Mr. Abdul ("servant of the") which would sound quite odd to a native speaker of Arabic.
 * Not distinguishing ' from ': Some Muslim names include the Arabic word ' (علاء "nobility"). Here, ⟨ʻ⟩ represents the ayin, a voiced pharyngeal fricative, ⟨ʾ⟩ represents the hamza, a glottal stop, and ⟨l⟩ is spelled and pronounced at ordinary length, /l/. In ', the l is written twice (⟨ll⟩) and pronounced twice as long (a geminate), as /l/ or /ll/. In Arabic pronunciation, ' and ' are clearly different. But Europeans, Iranians, and Indians may not pronounce some Arabic sounds as a native Arabic speaker would, and thus tend to pronounce them identically. For example, the name ' (Aladdin, "the Nobility of the Faith") is sometimes misspelled as '. There is another name  (Aliullah, "the Nobility of God"), which uses both distinctly. Therefore, the name "علاء" must be written in Latin in the form of "Halāʾ " or "Halaa'e" to differentiate it between  “Allāh”  the name of God in Arabic, and also the female name  آلاء  “Ālāʾ ” ( Alaa'e)  Which means "blessings" ( God's blessings).
 * Taking ' or ' for a middle name: As stated above, these words indicate the order of the family chain. English-speakers often confuse them with middle names, especially when they are written as "Ben", as it is the case in some countries. For example, Sami Ben Ahmed would be mistakenly addressed as Mr. Ben Ahmed. To correctly address the person, one should use Mr. Sami or Mr. Sami Ben Ahmed.
 * Grammar: As between all languages, there are differences between Arabic grammar and the grammar of other languages. Arabic forms noun compounds in the opposite order from Indo-Iranian languages, for example. During the war in Afghanistan in 2002, a BBC team found in Kabul an internally displaced person whose name they stated as "Allah Muhammad". This may be a misspelling for , for if not, by the rules of Arabic grammar, this name means "the Allah who belongs to Muhammad", which, assuming the person is an Arabic speaking Muslim would be unacceptable religiously. However, by the rules of Iranian languages and most languages of India, this name does mean "Muhammad who belongs to Allah", being the equivalent of the Arabic "Muhammadullah". Most Afghans speak Iranian languages. Such Perso-Arab or Indo-Arab multilingual compound names are not uncommon in Afghanistan, Bangladesh, Iran, Pakistan and Tajikistan. There is, for example, the Punjabi name Allah-Ditta which joins the Arabic Allah with the Punjabi Ditta "given".

Arab family naming convention
Conventionally, in Arab culture, as in many parts of the world, a person's ancestry and family name are very important. An example is explained below.

Assume a man is called Saleh ibn Tariq ibn Khalid al-Fulan. Hence, Saleh ibn Tariq ibn Khalid al-Fulan translates as "Saleh, son of Tariq, son of Khalid; who is of the family of al-Fulan."
 * Saleh is his personal name, and the one that his family and friends would call him by.
 * ibn and bin translates as "son of", so Tariq is Saleh's father's name.
 * ibn Khalid means that Tariq is the son of Khalid, making Khalid the paternal grandfather of Saleh.
 * al-Fulan would be Saleh's family name.

The Arabic for "daughter of" is bint. A woman with the name Fatimah bint Tariq ibn Khalid al-Rashid translates as "Fatimah, daughter of Tariq, son of Khalid; who is of the family al-Rashid."

In this case, ibn and bint are included in the official naming. Most Arab countries today, however, do not use 'ibn' and 'bint' in their naming system. If Saleh were an Egyptian, he would be called Saleh Tariq Khalid al-Fulan and Fatimah would be Fatimah Tariq Khalid al-Rashid.

If Saleh marries a wife (who would keep her own maiden, family, and surnames), their children will take Saleh's family name. Therefore, their son Mohammed would be called Mohammed ibn Saleh ibn Tariq al-Fulan.

However, not all Arab countries use the name in its full length, but conventionally use two- and three-word names, and sometimes four-word names in official or legal matters. Thus the first name is the personal name, the middle name is the father's name and the last name is the father's family name.

Biblical names and their Arabic equivalent
The Arabic names listed below are used in the Arab world with correspondent Hebrew, English, Syriac and Greek equivalents in many cases. Most are derived from Syriac transliterations of the Hebrew Bible.

 * The popular romanization of the Arabized and Hebrew names are written first, then the standardized romanization are written in oblique. Arabized names may have variants.
 * If a literal Arabic translation of a name exists, it will be placed after the final standardized romanization.
 * If an Arabic correlation is ambiguous, (?) will be placed following the name in question.
 * * Yasu' is the Arab Christian name, while ʿĪsā is the Muslim version of the name, as used in the Qur'an. There is debate as to which is the better rendition of the Aramaic Ishuʿ, because both names are of late origin.
 * ** Yuhanna is the Arab Christian name of John, while Yahya is the Muslim version of the name, as used in the Qur'an. They have completely different triconsonantal roots: Ḥ-N-N ("grace") vs Ḥ-Y-Y ("Life"). Specifically, Youhanna may be the Biblical John the Baptist or the apostle.  Yahya refers specifically to John the Baptist.
 * El, the Hebrew word for strength/might or deity, is usually represented as īl in Arabic, although it carries no meaning in classical and modern Arabic. The only exception is its usage in the Iraqi Arabic.

Indexing
According to the Chicago Manual of Style, Arabic names are indexed by their surnames. Names may be alphabetized under Abu, Abd and ibn, while names are not alphabetized under al- and el- and are instead alphabetized under the following element.

title: Arabic name


text:
Gramm–Leach–Bliley Act

The Gramm–Leach–Bliley Act (GLBA), also known as the Financial Services Modernization Act of 1999, is an act of the 106th United States Congress (1999–2001). It repealed part of the Glass–Steagall Act of 1933, removing barriers in the market among banking companies, securities companies, and insurance companies that prohibited any one institution from acting as any combination of an investment bank, a commercial bank, and an insurance company. With the passage of the Gramm–Leach–Bliley Act, commercial banks, investment banks, securities firms, and insurance companies were allowed to consolidate. Furthermore, it failed to give to the SEC or any other financial regulatory agency the authority to regulate large investment bank holding companies. The legislation was signed into law by President Bill Clinton.

A year before the law was passed, Citicorp, a commercial bank holding company, merged with the insurance company Travelers Group in 1998 to form the conglomerate Citigroup, a corporation combining banking, securities and insurance services under a house of brands that included Citibank, Smith Barney, Primerica, and Travelers. Because this merger was a violation of the Glass–Steagall Act and the Bank Holding Company Act of 1956, the Federal Reserve gave Citigroup a temporary waiver in September 1998. Less than a year later, GLBA was passed to legalize these types of mergers on a permanent basis. The law also repealed Glass–Steagall's conflict of interest prohibitions "against simultaneous service by any officer, director, or employee of a securities firm as an officer, director, or employee of any member bank."

Legislative history
The banking industry had been seeking the repeal of the 1933 Glass–Steagall Act since the 1980s, if not earlier. In 1987 the Congressional Research Service prepared a report that explored the cases for and against preserving the Glass–Steagall Act.

Respective versions of the Financial Services Act were introduced in the U.S. Senate by Phil Gramm (Republican of Texas) and in the U.S. House of Representatives by Jim Leach (R-Iowa). The third lawmaker associated with the bill was Rep. Thomas J. Bliley, Jr. (R-Virginia), Chairman of the House Commerce Committee from 1995 to 2001.

During debate in the House of Representatives, Rep. John Dingell (Democrat of Michigan) argued that the bill would result in banks becoming "too big to fail." Dingell further argued that this would necessarily result in a bailout by the Federal Government. The House passed its version of the Financial Services Act of 1999 on July 1, 1999, by a bipartisan vote of 343–86 (Republicans 205–16; Democrats 138–69; Independent 0–1),  two months after the Senate had already passed its version of the bill on May 6 by a much narrower 54–44 vote along basically partisan lines (53 Republicans and 1 Democrat in favor; 44 Democrats opposed).

When the two chambers could not agree on a joint version of the bill, the House voted on July 30 by a vote of 241–132 (R 58–131; D 182–1; Ind. 1–0) to instruct its negotiators to work for a law which ensured that consumers enjoyed medical and financial privacy as well as "robust competition and equal and non-discriminatory access to financial services and economic opportunities in their communities" (i.e., protection against exclusionary redlining).

The bill then moved to a joint conference committee to work out the differences between the Senate and House versions. Democrats agreed to support the bill after Republicans agreed to strengthen provisions of the anti-redlining Community Reinvestment Act and address certain privacy concerns; the conference committee then finished its work by the beginning of November. On November 4, the final bill resolving the differences was passed by the Senate 90–8, and by the House 362–57. The legislation was signed into law by President Bill Clinton on November 12, 1999.

Changes caused by the Act
Many of the largest banks, brokerages, and insurance companies desired the Act at the time. The justification was that individuals usually put more money into investments when the economy is doing well, but they put most of their money into savings accounts when the economy turns bad. With the new Act, they would be able to do both 'savings' and 'investment' at the same financial institution, which would be able to do well in both good and bad economic times.

Prior to the Act, most financial services companies were already offering both saving and investment opportunities to their customers. On the retail/consumer side, a bank called Norwest Corporation, which would later merge with Wells Fargo Bank, led the charge in offering all types of financial services products in 1986. American Express attempted to own participants in almost every field of financial business (although there was little synergy among them). Things culminated in 1998 when Citibank merged with The Travelers Companies, creating Citigroup. The merger violated the Bank Holding Company Act (BHCA), but Citibank was given a two-year forbearance that was based on an assumption that they would be able to force a change in the law. The Gramm–Leach–Bliley Act passed in November 1999, repealing portions of the BHCA and the Glass–Steagall Act, allowing banks, brokerages, and insurance companies to merge, thus making the CitiCorp/Travelers Group merger legal.

Also prior to the passage of the Act, there were many relaxations to the Glass–Steagall Act. For example, a few years earlier, commercial Banks were allowed to pursue investment banking, and before that banks were also allowed to begin stock and insurance brokerage. Insurance underwriting was the only main operation they weren't allowed to do, something rarely done by banks even after the passage of the Act. The Act further enacted three provisions that allow for bank holding companies to engage in physical commodity activities. Prior to the enactment of the Act those activities were limited to those that were so closely related to banking to be considered incidental to it. Under GLBA depending on the provision the institution falls into, bank holding companies can engage in physical commodity trading, energy tolling, energy management services, and merchant banking activities.

Much consolidation occurred in the financial services industry since, but not at the scale some had expected. Retail banks, for example, do not tend to buy insurance underwriters, as they seek to engage in a more profitable business of insurance brokerage by selling products of other insurance companies. Other retail banks were slow to market investments and insurance products and package those products in a convincing way. Brokerage companies had a hard time getting into banking, because they do not have a large branch and backshop footprint. Banks have recently tended to buy other banks, such as the 2004 Bank of America and Fleet Boston merger, yet they have had less success integrating with investment and insurance companies. Many banks have expanded into investment banking, but have found it hard to package it with their banking services, without resorting to questionable tie-ins which caused scandals at Smith Barney.

Remaining restrictions
Crucial to the passing of this Act was an amendment made to the GLBA, stating that no merger may go ahead if any of the financial holding institutions, or affiliates thereof, received a "less than satisfactory [sic] rating at its most recent CRA exam", essentially meaning that any merger may only go ahead with the strict approval of the regulatory bodies responsible for the Community Reinvestment Act (CRA). This was an issue of hot contention, and the Clinton Administration stressed that it "would veto any legislation that would scale back minority-lending requirements."

GLBA also did not remove the restrictions on banks placed by the Bank Holding Company Act of 1956 which prevented financial institutions from owning non-financial corporations. It conversely prohibits corporations outside of the banking or finance industry from entering retail and/or commercial banking. Many assume Wal-Mart's desire to convert its industrial bank to a commercial/retail bank ultimately drove the banking industry to back the GLBA restrictions.

Some restrictions remain to provide some amount of separation between the investment and commercial banking operations of a company. For example, licensed bankers must have separate business cards, e.g., "Personal Banker, Wells Fargo Bank" and "Investment Consultant, Wells Fargo Private Client Services". Much of the debate about financial privacy is specifically centered around allowing or preventing the banking, brokerage, and insurances divisions of a company from working together.

In terms of compliance, the key rules under the Act include The Financial Privacy Rule which governs the collection and disclosure of customers' personal financial information by financial institutions. It also applies to companies, regardless of whether they are financial institutions, that receive such information. The Safeguards Rule requires all financial institutions to design, implement and maintain safeguards to protect customer information. The Safeguards Rule applies not only to financial institutions that collect information from their own customers, but also to financial institutions – such as credit reporting agencies, appraisers, and mortgage brokers – that receive customer information from other financial institutions.

Privacy

 * GLBA compliance is mandatory; whether a financial institution discloses nonpublic information or not, there must be a policy in place to protect the information from foreseeable threats in security and data integrity.
 * Major components put into place to govern the collection, disclosure, and protection of consumers' nonpublic personal information; or personally identifiable information include:
 * Financial Privacy Rule
 * Safeguards Rule
 * Pretexting Protection

Financial Privacy Rule
(Subtitle A: Disclosure of Nonpublic Personal Information, codified at )

The Financial Privacy Rule requires financial institutions to provide each consumer with a privacy notice at the time the consumer relationship is established and annually thereafter. The privacy notice must explain the information collected about the consumer, where that information is shared, how that information is used, and how that information is protected. The notice must also identify the consumer's right to opt out of the information being shared with unaffiliated parties pursuant to the provisions of the Fair Credit Reporting Act. Should the privacy policy change at any point in time, the consumer must be notified again for acceptance. Each time the privacy notice is reestablished, the consumer has the right to opt out again. The unaffiliated parties receiving the nonpublic information are held to the acceptance terms of the consumer under the original relationship agreement. In summary, the financial privacy rule provides for a privacy policy agreement between the company and the consumer pertaining to the protection of the consumer's personal nonpublic information.

On November 17, 2009, eight federal regulatory agencies released the final version of a model privacy notice form to make it easier for consumers to understand how financial institutions collect and share information about consumers.

Financial institutions
GLBA defines financial institutions as: "companies that offer financial products or services to individuals, like loans, financial or investment advice, or insurance". The Federal Trade Commission (FTC) has jurisdiction over financial institutions similar to, and including, these:
 * Non-bank mortgage lenders,
 * Real estate appraisers,
 * Loan brokers,
 * Some financial or investment advisers,
 * Debt collectors,
 * Tax return preparers,
 * Banks, and
 * Real estate settlement service providers.

These companies must also be considered significantly engaged in the financial service or production that defines them as a "financial institution".

Insurance has jurisdiction first by the state, provided the state law at minimum complies with the GLB. State law can require greater compliance, but not less than what is otherwise required by the GLB.

Consumer vs. customer defined
The Gramm–Leach–Bliley Act defines a "consumer" as
 * "an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual." (See .)

A customer is a consumer that has developed a relationship with privacy rights protected under the GLB. A customer is not someone using an automated teller machine (ATM) or having a check cashed at a cash advance business. These are not ongoing relationships like a customer might have—i.e., a mortgage loan, tax advising, or credit financing. A business is not an individual with personal nonpublic information, so a business cannot be a customer under the GLB. A business, however, may be liable for compliance to the GLB depending upon the type of business and the activities utilizing individual's personal nonpublic information.

"Definition: A "consumer" is an individual who obtains or has obtained a financial product or service from a financial institution that is to be used primarily for personal, family, or household purposes, or that individual's legal representative.

Examples of consumer relationships:
 * Applying for a loan
 * Obtaining cash from a foreign ATM, even if it occurs on a regular basis
 * Cashing a check with a check-cashing company
 * Arranging for a wire transfer"

"Definition: A "customer" is a consumer who has a "customer relationship" with a financial institution. A "customer relationship" is a continuing relationship with a consumer.

Examples of establishing a customer relationship:
 * Opening a credit card account with a financial institution
 * Entering into an automobile lease (on a non-operating basis for an initial lease term of at least 90 days) with an automobile dealer
 * Providing personally identifiable financial information to a broker in order to obtain a mortgage loan
 * Obtaining a loan from a mortgage lender
 * Agreeing to obtain tax preparation or credit counseling services

"Special Rule" for Loans: The customer relationship travels with ownership of the servicing rights."

Consumer/client privacy rights
Under the GLB, financial institutions must provide their clients a privacy notice that explains what information the company gathers about the client, where this information is shared, and how the company safeguards that information. This privacy notice must be given to the client prior to entering into an agreement to do business. There are exceptions to this when the client accepts a delayed receipt of the notice in order to complete a transaction on a timely basis. This has been somewhat mitigated due to online acknowledgement agreements requiring the client to read or scroll through the notice and check a box to accept terms.

The privacy notice must also explain to the customer the opportunity to 'opt out'. Opting out means that the client can say "no" to allowing their information to be shared with nonaffiliated third parties. The Fair Credit Reporting Act is responsible for the 'opt-out' opportunity, but the privacy notice must inform the customer of this right under the GLB. The client cannot opt out of:
 * Information shared with those providing priority service to the financial institution
 * Marketing of products or services for the financial institution
 * When the information is deemed legally required.
 * When entering into a financial transaction, the institution providing said transaction must provide the customer a secure room with the ability to close in order to better protect the clients personal information.

¶ Service of notice requirements
Notice requirements may vary. In most cases, service of a GLBA notice is not necessary unless the entity serving the notice intends to "share" customer information, which the FTC defines as, "non-public personal information (NPI)", of customers required to be protected under GLBA.

¶ Response to receipt of a GLBA notice
A consumer may react to service of a GLBA notice by:

 * Not responding
 * Indicating, on an acknowledgment form that notice was not provided (typically for in-person signed documents)
 * Responding according to format suggested in the GLBA Notice
 * Responding with a prepared letter (alone or in addition to the form)

Synergy between GLBA and GDPR
The European Union's General Data Protection Regulation (GDPR) became enforceable on 25 May 2018. As applies to consumers, the GDPR includes provision on scope of data collection, but also includes right of access, right to erasure, right to restriction of processing and right to data portability. Due to the multinational nature of some transactions, including data and internet transactions, and the possible implementation of corresponding regulations in some US states, it is likely that business and other entities will comply with the GDPR as well as US GLBA requirements.

Individualized requests for privacy under the GLBA are likely to include provisions guaranteed by the European Union's GDPR.

Safeguards Rule
(Subtitle A: Disclosure of Nonpublic Personal Information, codified at )

The Safeguards Rule implements data security requirements from the GLBA and requires financial institutions to develop a written information security plan that describes how the company is prepared for, and plans to continue to protect its clients' nonpublic personal information. The Safeguards Rule applies to information of any consumer's past or present regarding the financial institution's products or services. The written plan must include:

 * Denoting at least one employee to manage the safeguards
 * Constructing a thorough risk analysis on each department handling the nonpublic information
 * Develop, monitor, and test a program to secure the information
 * Adapting the safeguards as needed with contemporary changes in how information is collected, stored, and used

The Safeguards Rule forces financial institutions to take a closer look at how they manage private data and to do a risk analysis on their current processes. The Federal Register features approaches for risk assessments such as evaluating the likelihood of magnitudes of harm that result from threats and errors and safeguards are commensurate with the risks they address. No process is perfect, so this has meant that every financial institution has had to make some effort to comply with the GLBA.

In December 2021, the Safeguards Rule was updated, amid some controversy, by the FTC to include specific criteria requiring financial institutions to introduce new security controls and to increase the accountability of boards of directors, with a six-month compliance extension, from January to June 2023, granted for some types of institutions in November 2022.

Pretexting protection
(Subtitle B: Fraudulent Access to Financial Information, codified at )

Pretexting (sometimes referred to as "social engineering") occurs when someone tries to gain access to personal nonpublic information without proper authority to do so. This may entail requesting private information while impersonating the account holder, by telephone, by mail, by e-mail, or even by "phishing" (i.e., using a phony website or email to collect data). GLBA encourages the organizations covered by GLBA to implement safeguards against pretexting. For example, a well-written plan designed to meet GLB's Safeguards Rule ("develop, monitor, and test a program to secure the information") would likely include a section on training employees to recognize and deflect inquiries made under pretext. In fact, the evaluation of the effectiveness of such employee training probably should include a follow-up program of random spot checks, "outside the classroom", after completion of the [initial] employee training, in order to check on the resistance of a given (randomly chosen) student to various types of "social engineering"—perhaps even designed to focus attention on any new wrinkle that might have arisen after the [initial] effort to "develop" the curriculum for such employee training. Under United States law, pretexting by individuals is punishable as a common law crime of false pretenses.

Effect on usury law
Section 731 of the GLB, codified as subsection (f) of, contains a unique provision aimed at Arkansas, whose usury limit was set at five percent above the Federal Reserve discount rate by the Arkansas Constitution and could not be changed by the Arkansas General Assembly. When the Office of the Comptroller of the Currency ruled that interstate banks established under the Riegle–Neal Interstate Banking and Branching Efficiency Act of 1994 could use their home state's usury law for all branches nationwide with minimal restrictions, Arkansas-based banks were placed at a severe competitive disadvantage to Arkansas branches of interstate banks; this led to out-of-state takeovers of several Arkansas banks, including the sale of First Commercial Bank (then Arkansas' largest bank) to Regions Financial Corporation in 1998.

Under Section 731, all banks headquartered in a state covered by that law may charge up to the highest usury limit of any state that is headquarters to an interstate bank which has branches in the covered state. Therefore, since Arkansas has branches of banks based in Alabama, Georgia, Mississippi, Missouri, North Carolina, Ohio, and Texas, any loan that is legal under the usury laws of any of those states may be made by an Arkansas-based bank under Section 731. The section does not apply to interstate banks with branches in the covered state, but headquartered elsewhere; however, Arkansas-based interstate banks like Arvest Bank may export their Section 731 limits to other states.

Due to Section 731, it is generally regarded that Arkansas-based banks now have no usury limit for credit cards or for any loan of greater than $2,000 (since Alabama, Regions' home state, has no limits on those loans), with a limit of 18% (the minimum usury limit in Texas) or more on all other loans. However, once Wells Fargo fully completed its purchase of Century Bank (a Texas bank with Arkansas branches), Section 731 did away with all usury limits for Arkansas-based banks since Wells Fargo's main bank charter is based in South Dakota, which repealed its usury laws many years ago.

Though designed for Arkansas, Section 731 may also apply to Alaska and California whose constitutions provide for the same basic usury limit, though unlike Arkansas their legislatures can (and generally do) set different limits. If Section 731 applies to those states, then all their usury limits are inapplicable to banks based in those states, since Wells Fargo has branches in both states.

Criticisms
The act is often cited as a cause of the 2007 subprime mortgage financial crisis "even by some of its onetime supporters." Former President Barack Obama has stated that GLBA led to deregulation that, among other things, allowed for the creation of giant financial supermarkets that could own investment banks, commercial banks and insurance firms, something banned since the Great Depression. Its passage, critics also say, cleared the way for companies that were too big and intertwined to fail.

Economist Joseph Stiglitz has also argued that the Act increased risk-taking leading up to the crisis, stating "the culture of investment banks was conveyed to commercial banks and everyone got involved in the high-risk gambling mentality". In an article in The Nation, Mark Sumner asserted that the Gramm–Leach–Bliley Act was responsible for the creation of entities that took on more risk due to their being considered "too big to fail".

Defenses
According to a 2009 policy report from the Cato Institute authored by one of the institute's directors, Mark A. Calabria, critics of the legislation feared that, with the allowance for mergers between investment and commercial banks, GLBA allowed the newly-merged banks to take on riskier investments while at the same time removing any requirements to maintain enough equity, exposing the assets of its banking customers. Calabria claimed that, prior to the passage of GLBA in 1999, investment banks were already capable of holding and trading the very financial assets claimed to be the cause of the mortgage crisis, and were also already able to keep their books as they had. He concluded that greater access to investment capital as many investment banks went public on the market explains the shift in their holdings to trading portfolios. Calabria noted that after GLBA passed, most investment banks did not merge with depository commercial banks, and that in fact, the few banks that did merge weathered the crisis better than those that did not.

In February 2009, one of the act's co-authors, former Senator Phil Gramm, also defended his bill: "[I]f GLB was the problem, the crisis would have been expected to have originated in Europe where they never had Glass–Steagall requirements to begin with. Also, the financial firms that failed in this crisis, like Lehman, were the least diversified and the ones that survived, like J.P. Morgan, were the most diversified. Moreover, GLB did not deregulate anything. It established the Federal Reserve as a superregulator, overseeing all Financial Services Holding Companies. All activities of financial institutions continued to be regulated on a functional basis by the regulators that had regulated those activities prior to GLB."

Bill Clinton, as well as economists Brad DeLong and Tyler Cowen have all argued that the Gramm–Leach–Bliley Act softened the impact of the crisis. Atlantic Monthly columnist Megan McArdle has argued that if the act was "part of the problem, it would be the commercial banks, not the investment banks, that were in trouble" and repeal would not have helped the situation. An article in the conservative publication National Review has made the same argument, calling allegations about the Act "folk economics." A New York Times financial columnist and occasional critic of GLBA Andrew Ross Sorkin stated that he believes GLBA had little to do with the failed institutions.

Proposed

 * National Association of Registered Agents and Brokers Reform Act of 2013 (H.R. 1155; 113th Congress) is a bill meant to reduce the regulatory costs of complying with multiple states' requirements for insurance companies, making it easier for the same company to operate in multiple states. The bill would amend the Gramm–Leach–Bliley Act to repeal the contingent conditions under which the National Association of Registered Agents and Brokers (NARAB) shall not be established. The bill would transform the National Association of Registered Agents and Brokers (NARAB) into a clearing house that set up its own standards that insurance companies would be required to meet in order to do business in other states. In this new system, however, the insurance company would only have to meet the requirements of their home state and the NARAB (only two entities), not their home state and every other state they wished to operate in (multiple entities). Proponents of the bill argued that it would help lower costs for insurance companies and make insurance cheaper for people to buy.

Compliance information

 * Gramm–Leach–Bliley Act, 15 USC, Subchapter I, Sec. 6801–6809 – Disclosure of Nonpublic Personal Information

Consumer/client rights information

 * Disclosure of Nonpublic Personal Information
 * What Can You Do To Protect Your Privacy

History of the GLB

 * History of the GLBA

Congressional voting records on Gramm–Leach–Bliley Act

 * Senate Vote #354 (Nov. 4, 1999) On the Conference Report (S.900 Conference Report)
 * House Vote #570 (Nov. 4, 1999) On Agreeing to the Conference Report: S 900 (106th) Financial Services Modernization Act

title: Gramm–Leach–Bliley Act