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the claim
Commercial banks lend out the vast majority of their customer deposits.
the verdict
SUPPORTED
the evidence backs this
refutedsupported
the weight of evidence
2 sources for · 0 against
AS REPORTEDno primary record reached; this is what the reporting says

Under fractional reserve banking systems, commercial banks hold only a fractional reserve of their customer deposits and lend out the remainder.

Evidence for · 2
101 things everyone should know about economics : a down and dirty guide to everything from securities and derivatives to interest rates and hedge funds-- and what they mean for you
2009 · cited by 0
its status as a store of value. The vast majority of money doesn’t exist as $20, $10, … banks keep a fraction of their deposits in reserve and lend out the rest. Fractional reserve … loose to lend out the rest — directly to customers or to each other. When banks lend money
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The analysis

rails:sufficiency:supported:single_source:for=1+0p:against=0+0p | v55:sufficiency

More for · 1
101 things everyone should know about economics : from securities and derivatives to interest rates and hedge funds, the basics of economics and what they mean for you
2014 · cited by 0
more of their income to meet expenses and came to expect the purchasing power of their 32 … its status as a store of value. The vast majority of money doesn’t exist as $20, $10, … banks keep a fraction of their deposits in reserve and lend out the rest. Fractional reserve
Everything we examined (2) — 1 independent source
This check searched the claim as stated. It did not run a separate search for evidence against it.
  1. 101 things everyone should know about economics : a down and dirty guide to everything from securities and derivatives to interest rates and hedge funds-- and what they mean for youreferencesame source L1no side taken
  2. 101 things everyone should know about economics : from securities and derivatives to interest rates and hedge funds, the basics of economics and what they mean for youreferencesame source L1no side taken
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held for human review07 Aug 2026
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