{"links":{"self":"https://arvasarchive.org/catalog.json?f%5Bcollection%5D%5B%5D=Arthur+J.+Morris+memorabilia%2C+1884%2F1992\u0026page=3\u0026view=compact","prev":"https://arvasarchive.org/catalog.json?f%5Bcollection%5D%5B%5D=Arthur+J.+Morris+memorabilia%2C+1884%2F1992\u0026page=2\u0026view=compact","next":"https://arvasarchive.org/catalog.json?f%5Bcollection%5D%5B%5D=Arthur+J.+Morris+memorabilia%2C+1884%2F1992\u0026page=4\u0026view=compact","last":"https://arvasarchive.org/catalog.json?f%5Bcollection%5D%5B%5D=Arthur+J.+Morris+memorabilia%2C+1884%2F1992\u0026page=5\u0026view=compact"},"meta":{"pages":{"current_page":3,"next_page":4,"prev_page":2,"total_pages":5,"limit_value":10,"offset_value":20,"total_count":49,"first_page?":false,"last_page?":false}},"data":[{"id":"viu_repositories_4_resources_653_c01","type":"Item","attributes":{"title":"Gold Medal presented by the Rector and Visitors of the University of Virginia to Arthur J. 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Morris memorabilia, 1884/1992","MSS.97.3","Archival Resource Key","Previous Archival Resource Key","/repositories/4/resources/653","Memorabilia","Scrapbooks","photographs","Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. 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Morris Law Library Special Collections"],"acqinfo_ssim":["This collection was donated to the Law Library by the Virginia Morris Kincaid Foundation in February of 1997. 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Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.\u003c/p\u003e","\u003cp\u003eFor the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.\u003c/p\u003e","\u003cp\u003eEarly in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:\u003c/p\u003e","\u003cp\u003eDear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.\u003c/p\u003e","\u003cp\u003eOn April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.\u003c/p\u003e","\u003cp\u003eIt took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:\u003c/p\u003e","\u003cp\u003e\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"\u003c/p\u003e","\u003cp\u003eSoon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.\u003c/p\u003e","\u003cp\u003eIn his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.\u003c/p\u003e  "],"bioghist_heading_ssm":["Biographical / Historical"],"bioghist_tesim":["Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death."],"scopecontent_html_tesm":["\u003cp\u003eThis collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.\u003c/p\u003e  "],"scopecontent_heading_ssm":["Scope and Contents"],"scopecontent_tesim":["This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library."],"corpname_ssim":["Arthur J. Morris Law Library Special Collections"],"persname_ssim":["Morris, Arthur J., 1881-1973"],"names_coll_ssim":["Morris, Arthur J., 1881-1973"],"names_ssim":["Arthur J. 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In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. 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The addendums were donated by Virginia Morris Huschke, grandaughter of Mr. Morris, in 2012 and 2013."],"access_subjects_ssim":["Scrapbooks","photographs"],"access_subjects_ssm":["Scrapbooks","photographs"],"has_online_content_ssim":["false"],"extent_ssm":["2 Cubic Feet"],"extent_tesim":["2 Cubic Feet"],"genreform_ssim":["Scrapbooks","photographs"],"date_range_isim":[1884,1885,1886,1887,1888,1889,1890,1891,1892,1893,1894,1895,1896,1897,1898,1899,1900,1901,1902,1903,1904,1905,1906,1907,1908,1909,1910,1911,1912,1913,1914,1915,1916,1917,1918,1919,1920,1921,1922,1923,1924,1925,1926,1927,1928,1929,1930,1931,1932,1933,1934,1935,1936,1937,1938,1939,1940,1941,1942,1943,1944,1945,1946,1947,1948,1949,1950,1951,1952,1953,1954,1955,1956,1957,1958,1959,1960,1961,1962,1963,1964,1965,1966,1967,1968,1969,1970,1971,1972,1973,1974,1975,1976,1977,1978,1979,1980,1981,1982,1983,1984,1985,1986,1987,1988,1989,1990,1991,1992],"bioghist_html_tesm":["\u003cp\u003e\nArthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.\u003c/p\u003e","\u003cp\u003eFor the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.\u003c/p\u003e","\u003cp\u003eEarly in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:\u003c/p\u003e","\u003cp\u003eDear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.\u003c/p\u003e","\u003cp\u003eOn April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.\u003c/p\u003e","\u003cp\u003eIt took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:\u003c/p\u003e","\u003cp\u003e\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"\u003c/p\u003e","\u003cp\u003eSoon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.\u003c/p\u003e","\u003cp\u003eIn his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.\u003c/p\u003e  "],"bioghist_heading_ssm":["Biographical / Historical"],"bioghist_tesim":["Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death."],"scopecontent_html_tesm":["\u003cp\u003eThis collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.\u003c/p\u003e  "],"scopecontent_heading_ssm":["Scope and Contents"],"scopecontent_tesim":["This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library."],"corpname_ssim":["Arthur J. Morris Law Library Special Collections"],"persname_ssim":["Morris, Arthur J., 1881-1973"],"names_coll_ssim":["Morris, Arthur J., 1881-1973"],"names_ssim":["Arthur J. 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Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.","This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.","Arthur J. Morris Law Library Special Collections","Morris, Arthur J., 1881-1973","English"],"collection_title_tesim":["Arthur J. Morris memorabilia, 1884/1992"],"collection_ssim":["Arthur J. 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Morris Law Library Special Collections"],"acqinfo_ssim":["This collection was donated to the Law Library by the Virginia Morris Kincaid Foundation in February of 1997. The addendums were donated by Virginia Morris Huschke, grandaughter of Mr. Morris, in 2012 and 2013."],"access_subjects_ssim":["Scrapbooks","photographs"],"access_subjects_ssm":["Scrapbooks","photographs"],"has_online_content_ssim":["false"],"extent_ssm":["2 Cubic Feet"],"extent_tesim":["2 Cubic Feet"],"genreform_ssim":["Scrapbooks","photographs"],"date_range_isim":[1884,1885,1886,1887,1888,1889,1890,1891,1892,1893,1894,1895,1896,1897,1898,1899,1900,1901,1902,1903,1904,1905,1906,1907,1908,1909,1910,1911,1912,1913,1914,1915,1916,1917,1918,1919,1920,1921,1922,1923,1924,1925,1926,1927,1928,1929,1930,1931,1932,1933,1934,1935,1936,1937,1938,1939,1940,1941,1942,1943,1944,1945,1946,1947,1948,1949,1950,1951,1952,1953,1954,1955,1956,1957,1958,1959,1960,1961,1962,1963,1964,1965,1966,1967,1968,1969,1970,1971,1972,1973,1974,1975,1976,1977,1978,1979,1980,1981,1982,1983,1984,1985,1986,1987,1988,1989,1990,1991,1992],"bioghist_html_tesm":["\u003cp\u003e\nArthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.\u003c/p\u003e","\u003cp\u003eFor the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.\u003c/p\u003e","\u003cp\u003eEarly in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:\u003c/p\u003e","\u003cp\u003eDear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.\u003c/p\u003e","\u003cp\u003eOn April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.\u003c/p\u003e","\u003cp\u003eIt took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:\u003c/p\u003e","\u003cp\u003e\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"\u003c/p\u003e","\u003cp\u003eSoon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.\u003c/p\u003e","\u003cp\u003eIn his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.\u003c/p\u003e  "],"bioghist_heading_ssm":["Biographical / Historical"],"bioghist_tesim":["Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death."],"scopecontent_html_tesm":["\u003cp\u003eThis collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.\u003c/p\u003e  "],"scopecontent_heading_ssm":["Scope and Contents"],"scopecontent_tesim":["This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library."],"corpname_ssim":["Arthur J. Morris Law Library Special Collections"],"persname_ssim":["Morris, Arthur J., 1881-1973"],"names_coll_ssim":["Morris, Arthur J., 1881-1973"],"names_ssim":["Arthur J. 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Morris memorabilia, 1884/1992","MSS.97.3","Archival Resource Key","Previous Archival Resource Key","/repositories/4/resources/653","Memorabilia","Scrapbooks","photographs","Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.","This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.","Arthur J. Morris Law Library Special Collections","Morris, Arthur J., 1881-1973","English"],"collection_title_tesim":["Arthur J. Morris memorabilia, 1884/1992"],"collection_ssim":["Arthur J. 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Morris Law Library Special Collections"],"acqinfo_ssim":["This collection was donated to the Law Library by the Virginia Morris Kincaid Foundation in February of 1997. The addendums were donated by Virginia Morris Huschke, grandaughter of Mr. Morris, in 2012 and 2013."],"access_subjects_ssim":["Scrapbooks","photographs"],"access_subjects_ssm":["Scrapbooks","photographs"],"has_online_content_ssim":["false"],"extent_ssm":["2 Cubic Feet"],"extent_tesim":["2 Cubic Feet"],"genreform_ssim":["Scrapbooks","photographs"],"date_range_isim":[1884,1885,1886,1887,1888,1889,1890,1891,1892,1893,1894,1895,1896,1897,1898,1899,1900,1901,1902,1903,1904,1905,1906,1907,1908,1909,1910,1911,1912,1913,1914,1915,1916,1917,1918,1919,1920,1921,1922,1923,1924,1925,1926,1927,1928,1929,1930,1931,1932,1933,1934,1935,1936,1937,1938,1939,1940,1941,1942,1943,1944,1945,1946,1947,1948,1949,1950,1951,1952,1953,1954,1955,1956,1957,1958,1959,1960,1961,1962,1963,1964,1965,1966,1967,1968,1969,1970,1971,1972,1973,1974,1975,1976,1977,1978,1979,1980,1981,1982,1983,1984,1985,1986,1987,1988,1989,1990,1991,1992],"bioghist_html_tesm":["\u003cp\u003e\nArthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.\u003c/p\u003e","\u003cp\u003eFor the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.\u003c/p\u003e","\u003cp\u003eEarly in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:\u003c/p\u003e","\u003cp\u003eDear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.\u003c/p\u003e","\u003cp\u003eOn April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.\u003c/p\u003e","\u003cp\u003eIt took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:\u003c/p\u003e","\u003cp\u003e\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"\u003c/p\u003e","\u003cp\u003eSoon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.\u003c/p\u003e","\u003cp\u003eIn his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.\u003c/p\u003e  "],"bioghist_heading_ssm":["Biographical / Historical"],"bioghist_tesim":["Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death."],"scopecontent_html_tesm":["\u003cp\u003eThis collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.\u003c/p\u003e  "],"scopecontent_heading_ssm":["Scope and Contents"],"scopecontent_tesim":["This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library."],"corpname_ssim":["Arthur J. Morris Law Library Special Collections"],"persname_ssim":["Morris, Arthur J., 1881-1973"],"names_coll_ssim":["Morris, Arthur J., 1881-1973"],"names_ssim":["Arthur J. 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Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. 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Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.\u003c/p\u003e","\u003cp\u003eFor the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.\u003c/p\u003e","\u003cp\u003eEarly in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:\u003c/p\u003e","\u003cp\u003eDear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.\u003c/p\u003e","\u003cp\u003eOn April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.\u003c/p\u003e","\u003cp\u003eIt took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:\u003c/p\u003e","\u003cp\u003e\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"\u003c/p\u003e","\u003cp\u003eSoon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.\u003c/p\u003e","\u003cp\u003eIn his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.\u003c/p\u003e  "],"bioghist_heading_ssm":["Biographical / Historical"],"bioghist_tesim":["Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death."],"scopecontent_html_tesm":["\u003cp\u003eThis collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.\u003c/p\u003e  "],"scopecontent_heading_ssm":["Scope and Contents"],"scopecontent_tesim":["This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library."],"corpname_ssim":["Arthur J. Morris Law Library Special Collections"],"persname_ssim":["Morris, Arthur J., 1881-1973"],"names_coll_ssim":["Morris, Arthur J., 1881-1973"],"names_ssim":["Arthur J. Morris Law Library Special Collections","Morris, Arthur J., 1881-1973"],"language_ssim":["English"],"descrules_ssm":["Describing Archives: A Content Standard"],"total_component_count_is":48,"online_item_count_is":0,"component_level_isim":[0],"sort_isi":0,"timestamp":"2026-08-15T00:04:49.439Z"}]}},"label":"Breadcrumbs"}}},"links":{"self":"https://arvasarchive.org/catalog/viu_repositories_4_resources_653_c30_c02"}},{"id":"viu_repositories_4_resources_653_c19","type":"Item","attributes":{"title":"Mounted Clipping: \"The Customer ...the most important person in this bank\". The Morris Plan Industrial Bank of New York","breadcrumbs":{"id":"https://arvasarchive.org/catalog/viu_repositories_4_resources_653_c19#breadcrumbs","type":"document_value","attributes":{"value":{"ref_ssi":"viu_repositories_4_resources_653_c19","ref_ssm":["viu_repositories_4_resources_653_c19"],"id":"viu_repositories_4_resources_653_c19","ead_ssi":"viu_repositories_4_resources_653","_root_":"viu_repositories_4_resources_653","_nest_parent_":"viu_repositories_4_resources_653","parent_ssi":"viu_repositories_4_resources_653","parent_ssim":["Arthur J. Morris memorabilia, 1884/1992"],"parent_ids_ssim":["viu_repositories_4_resources_653"],"title_filing_ssi":"Mounted Clipping:  \"The Customer ...the most important person in this bank\".  The Morris Plan Industrial Bank of New York","title_ssm":["Mounted Clipping: \"The Customer ...the most important person in this bank\". The Morris Plan Industrial Bank of New York"],"title_tesim":["Mounted Clipping: \"The Customer ...the most important person in this bank\". The Morris Plan Industrial Bank of New York"],"normalized_title_ssm":["Mounted Clipping: \"The Customer ...the most important person in this bank\". The Morris Plan Industrial Bank of New York"],"text":["Mounted Clipping: \"The Customer ...the most important person in this bank\". The Morris Plan Industrial Bank of New York","Arthur J. Morris memorabilia, 1884/1992","box 4"],"parent_unittitles_ssm":["Arthur J. Morris memorabilia, 1884/1992"],"parent_unittitles_tesim":["Arthur J. Morris memorabilia, 1884/1992"],"unitdate_inclusive_ssm":["n.d."],"level_ssm":["Item"],"level_ssim":["Item"],"component_level_isim":[1],"sort_isi":19,"repository_ssim":["University of Virginia, Special Collections Dept."],"collection_ssim":["Arthur J. 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Morris memorabilia, 1884/1992","MSS.97.3","Archival Resource Key","Previous Archival Resource Key","/repositories/4/resources/653","Memorabilia","Scrapbooks","photographs","Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.","This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.","Arthur J. Morris Law Library Special Collections","Morris, Arthur J., 1881-1973","English"],"collection_title_tesim":["Arthur J. Morris memorabilia, 1884/1992"],"collection_ssim":["Arthur J. Morris memorabilia, 1884/1992"],"level_ssm":["collection"],"level_ssim":["Collection"],"unitid_ssm":["MSS.97.3","Archival Resource Key","Previous Archival Resource Key","/repositories/4/resources/653"],"unitid_tesim":["MSS.97.3","Archival Resource Key","Previous Archival Resource Key","/repositories/4/resources/653"],"repository_ssm":["University of Virginia, Special Collections Dept."],"repository_ssim":["University of Virginia, Special Collections Dept."],"geogname_ssm":["Memorabilia"],"geogname_ssim":["Memorabilia"],"places_ssim":["Memorabilia"],"creator_ssm":["Morris, Arthur J., 1881-1973"],"creator_ssim":["Morris, Arthur J., 1881-1973"],"creator_persname_ssim":["Morris, Arthur J., 1881-1973"],"creator_corpname_ssim":["Arthur J. Morris Law Library Special Collections"],"creators_ssim":["Morris, Arthur J., 1881-1973","Arthur J. Morris Law Library Special Collections"],"acqinfo_ssim":["This collection was donated to the Law Library by the Virginia Morris Kincaid Foundation in February of 1997. The addendums were donated by Virginia Morris Huschke, grandaughter of Mr. Morris, in 2012 and 2013."],"access_subjects_ssim":["Scrapbooks","photographs"],"access_subjects_ssm":["Scrapbooks","photographs"],"has_online_content_ssim":["false"],"extent_ssm":["2 Cubic Feet"],"extent_tesim":["2 Cubic Feet"],"genreform_ssim":["Scrapbooks","photographs"],"date_range_isim":[1884,1885,1886,1887,1888,1889,1890,1891,1892,1893,1894,1895,1896,1897,1898,1899,1900,1901,1902,1903,1904,1905,1906,1907,1908,1909,1910,1911,1912,1913,1914,1915,1916,1917,1918,1919,1920,1921,1922,1923,1924,1925,1926,1927,1928,1929,1930,1931,1932,1933,1934,1935,1936,1937,1938,1939,1940,1941,1942,1943,1944,1945,1946,1947,1948,1949,1950,1951,1952,1953,1954,1955,1956,1957,1958,1959,1960,1961,1962,1963,1964,1965,1966,1967,1968,1969,1970,1971,1972,1973,1974,1975,1976,1977,1978,1979,1980,1981,1982,1983,1984,1985,1986,1987,1988,1989,1990,1991,1992],"bioghist_html_tesm":["\u003cp\u003e\nArthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.\u003c/p\u003e","\u003cp\u003eFor the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.\u003c/p\u003e","\u003cp\u003eEarly in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:\u003c/p\u003e","\u003cp\u003eDear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.\u003c/p\u003e","\u003cp\u003eOn April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.\u003c/p\u003e","\u003cp\u003eIt took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:\u003c/p\u003e","\u003cp\u003e\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"\u003c/p\u003e","\u003cp\u003eSoon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.\u003c/p\u003e","\u003cp\u003eIn his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.\u003c/p\u003e  "],"bioghist_heading_ssm":["Biographical / Historical"],"bioghist_tesim":["Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death."],"scopecontent_html_tesm":["\u003cp\u003eThis collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.\u003c/p\u003e  "],"scopecontent_heading_ssm":["Scope and Contents"],"scopecontent_tesim":["This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library."],"corpname_ssim":["Arthur J. Morris Law Library Special Collections"],"persname_ssim":["Morris, Arthur J., 1881-1973"],"names_coll_ssim":["Morris, Arthur J., 1881-1973"],"names_ssim":["Arthur J. 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Morris memorabilia"],"unitdate_ssm":["1884-1992"],"unitdate_inclusive_ssm":["1884-1992"],"normalized_date_ssm":["1884/1992"],"normalized_title_ssm":["Arthur J. Morris memorabilia, 1884/1992"],"text":["Arthur J. Morris memorabilia, 1884/1992","MSS.97.3","Archival Resource Key","Previous Archival Resource Key","/repositories/4/resources/653","Memorabilia","Scrapbooks","photographs","Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.","This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.","Arthur J. Morris Law Library Special Collections","Morris, Arthur J., 1881-1973","English"],"collection_title_tesim":["Arthur J. Morris memorabilia, 1884/1992"],"collection_ssim":["Arthur J. Morris memorabilia, 1884/1992"],"level_ssm":["collection"],"level_ssim":["Collection"],"unitid_ssm":["MSS.97.3","Archival Resource Key","Previous Archival Resource Key","/repositories/4/resources/653"],"unitid_tesim":["MSS.97.3","Archival Resource Key","Previous Archival Resource Key","/repositories/4/resources/653"],"repository_ssm":["University of Virginia, Special Collections Dept."],"repository_ssim":["University of Virginia, Special Collections Dept."],"geogname_ssm":["Memorabilia"],"geogname_ssim":["Memorabilia"],"places_ssim":["Memorabilia"],"creator_ssm":["Morris, Arthur J., 1881-1973"],"creator_ssim":["Morris, Arthur J., 1881-1973"],"creator_persname_ssim":["Morris, Arthur J., 1881-1973"],"creator_corpname_ssim":["Arthur J. Morris Law Library Special Collections"],"creators_ssim":["Morris, Arthur J., 1881-1973","Arthur J. Morris Law Library Special Collections"],"acqinfo_ssim":["This collection was donated to the Law Library by the Virginia Morris Kincaid Foundation in February of 1997. The addendums were donated by Virginia Morris Huschke, grandaughter of Mr. Morris, in 2012 and 2013."],"access_subjects_ssim":["Scrapbooks","photographs"],"access_subjects_ssm":["Scrapbooks","photographs"],"has_online_content_ssim":["false"],"extent_ssm":["2 Cubic Feet"],"extent_tesim":["2 Cubic Feet"],"genreform_ssim":["Scrapbooks","photographs"],"date_range_isim":[1884,1885,1886,1887,1888,1889,1890,1891,1892,1893,1894,1895,1896,1897,1898,1899,1900,1901,1902,1903,1904,1905,1906,1907,1908,1909,1910,1911,1912,1913,1914,1915,1916,1917,1918,1919,1920,1921,1922,1923,1924,1925,1926,1927,1928,1929,1930,1931,1932,1933,1934,1935,1936,1937,1938,1939,1940,1941,1942,1943,1944,1945,1946,1947,1948,1949,1950,1951,1952,1953,1954,1955,1956,1957,1958,1959,1960,1961,1962,1963,1964,1965,1966,1967,1968,1969,1970,1971,1972,1973,1974,1975,1976,1977,1978,1979,1980,1981,1982,1983,1984,1985,1986,1987,1988,1989,1990,1991,1992],"bioghist_html_tesm":["\u003cp\u003e\nArthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.\u003c/p\u003e","\u003cp\u003eFor the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.\u003c/p\u003e","\u003cp\u003eEarly in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:\u003c/p\u003e","\u003cp\u003eDear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.\u003c/p\u003e","\u003cp\u003eOn April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.\u003c/p\u003e","\u003cp\u003eIt took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:\u003c/p\u003e","\u003cp\u003e\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"\u003c/p\u003e","\u003cp\u003eSoon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.\u003c/p\u003e","\u003cp\u003eIn his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.\u003c/p\u003e  "],"bioghist_heading_ssm":["Biographical / Historical"],"bioghist_tesim":["Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death."],"scopecontent_html_tesm":["\u003cp\u003eThis collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.\u003c/p\u003e  "],"scopecontent_heading_ssm":["Scope and Contents"],"scopecontent_tesim":["This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library."],"corpname_ssim":["Arthur J. Morris Law Library Special Collections"],"persname_ssim":["Morris, Arthur J., 1881-1973"],"names_coll_ssim":["Morris, Arthur J., 1881-1973"],"names_ssim":["Arthur J. Morris Law Library Special Collections","Morris, Arthur J., 1881-1973"],"language_ssim":["English"],"descrules_ssm":["Describing Archives: A Content Standard"],"total_component_count_is":48,"online_item_count_is":0,"component_level_isim":[0],"sort_isi":0,"timestamp":"2026-08-15T00:04:49.439Z"}]}},"label":"Breadcrumbs"}}},"links":{"self":"https://arvasarchive.org/catalog/viu_repositories_4_resources_653_c31_c02"}},{"id":"viu_repositories_4_resources_653_c15","type":"Item","attributes":{"title":"Mounted Newspaper Clipping: \"Arthur J. Morris: Banker to the Masses\", 1954","breadcrumbs":{"id":"https://arvasarchive.org/catalog/viu_repositories_4_resources_653_c15#breadcrumbs","type":"document_value","attributes":{"value":{"ref_ssi":"viu_repositories_4_resources_653_c15","ref_ssm":["viu_repositories_4_resources_653_c15"],"id":"viu_repositories_4_resources_653_c15","ead_ssi":"viu_repositories_4_resources_653","_root_":"viu_repositories_4_resources_653","_nest_parent_":"viu_repositories_4_resources_653","parent_ssi":"viu_repositories_4_resources_653","parent_ssim":["Arthur J. Morris memorabilia, 1884/1992"],"parent_ids_ssim":["viu_repositories_4_resources_653"],"title_filing_ssi":"Mounted Newspaper Clipping: \"Arthur J. Morris: Banker to the Masses\"","title_ssm":["Mounted Newspaper Clipping: \"Arthur J. Morris: Banker to the Masses\""],"title_tesim":["Mounted Newspaper Clipping: \"Arthur J. Morris: Banker to the Masses\""],"normalized_title_ssm":["Mounted Newspaper Clipping: \"Arthur J. 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Morris memorabilia, 1884/1992","MSS.97.3","Archival Resource Key","Previous Archival Resource Key","/repositories/4/resources/653","Memorabilia","Scrapbooks","photographs","Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.","This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.","Arthur J. Morris Law Library Special Collections","Morris, Arthur J., 1881-1973","English"],"collection_title_tesim":["Arthur J. Morris memorabilia, 1884/1992"],"collection_ssim":["Arthur J. Morris memorabilia, 1884/1992"],"level_ssm":["collection"],"level_ssim":["Collection"],"unitid_ssm":["MSS.97.3","Archival Resource Key","Previous Archival Resource Key","/repositories/4/resources/653"],"unitid_tesim":["MSS.97.3","Archival Resource Key","Previous Archival Resource Key","/repositories/4/resources/653"],"repository_ssm":["University of Virginia, Special Collections Dept."],"repository_ssim":["University of Virginia, Special Collections Dept."],"geogname_ssm":["Memorabilia"],"geogname_ssim":["Memorabilia"],"places_ssim":["Memorabilia"],"creator_ssm":["Morris, Arthur J., 1881-1973"],"creator_ssim":["Morris, Arthur J., 1881-1973"],"creator_persname_ssim":["Morris, Arthur J., 1881-1973"],"creator_corpname_ssim":["Arthur J. Morris Law Library Special Collections"],"creators_ssim":["Morris, Arthur J., 1881-1973","Arthur J. Morris Law Library Special Collections"],"acqinfo_ssim":["This collection was donated to the Law Library by the Virginia Morris Kincaid Foundation in February of 1997. The addendums were donated by Virginia Morris Huschke, grandaughter of Mr. Morris, in 2012 and 2013."],"access_subjects_ssim":["Scrapbooks","photographs"],"access_subjects_ssm":["Scrapbooks","photographs"],"has_online_content_ssim":["false"],"extent_ssm":["2 Cubic Feet"],"extent_tesim":["2 Cubic Feet"],"genreform_ssim":["Scrapbooks","photographs"],"date_range_isim":[1884,1885,1886,1887,1888,1889,1890,1891,1892,1893,1894,1895,1896,1897,1898,1899,1900,1901,1902,1903,1904,1905,1906,1907,1908,1909,1910,1911,1912,1913,1914,1915,1916,1917,1918,1919,1920,1921,1922,1923,1924,1925,1926,1927,1928,1929,1930,1931,1932,1933,1934,1935,1936,1937,1938,1939,1940,1941,1942,1943,1944,1945,1946,1947,1948,1949,1950,1951,1952,1953,1954,1955,1956,1957,1958,1959,1960,1961,1962,1963,1964,1965,1966,1967,1968,1969,1970,1971,1972,1973,1974,1975,1976,1977,1978,1979,1980,1981,1982,1983,1984,1985,1986,1987,1988,1989,1990,1991,1992],"bioghist_html_tesm":["\u003cp\u003e\nArthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.\u003c/p\u003e","\u003cp\u003eFor the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.\u003c/p\u003e","\u003cp\u003eEarly in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:\u003c/p\u003e","\u003cp\u003eDear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.\u003c/p\u003e","\u003cp\u003eOn April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.\u003c/p\u003e","\u003cp\u003eIt took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:\u003c/p\u003e","\u003cp\u003e\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"\u003c/p\u003e","\u003cp\u003eSoon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.\u003c/p\u003e","\u003cp\u003eIn his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.\u003c/p\u003e  "],"bioghist_heading_ssm":["Biographical / Historical"],"bioghist_tesim":["Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death."],"scopecontent_html_tesm":["\u003cp\u003eThis collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.\u003c/p\u003e  "],"scopecontent_heading_ssm":["Scope and Contents"],"scopecontent_tesim":["This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library."],"corpname_ssim":["Arthur J. Morris Law Library Special Collections"],"persname_ssim":["Morris, Arthur J., 1881-1973"],"names_coll_ssim":["Morris, Arthur J., 1881-1973"],"names_ssim":["Arthur J. Morris Law Library Special Collections","Morris, Arthur J., 1881-1973"],"language_ssim":["English"],"descrules_ssm":["Describing Archives: A Content Standard"],"total_component_count_is":48,"online_item_count_is":0,"component_level_isim":[0],"sort_isi":0,"timestamp":"2026-08-15T00:04:49.439Z"}]}},"label":"Breadcrumbs"}}},"links":{"self":"https://arvasarchive.org/catalog/viu_repositories_4_resources_653_c15"}},{"id":"viu_repositories_4_resources_653_c18","type":"Item","attributes":{"title":"Mounted Newspaper Clipping: \"Freedom from Control Urged Consumer Credit\", 1969","breadcrumbs":{"id":"https://arvasarchive.org/catalog/viu_repositories_4_resources_653_c18#breadcrumbs","type":"document_value","attributes":{"value":{"ref_ssi":"viu_repositories_4_resources_653_c18","ref_ssm":["viu_repositories_4_resources_653_c18"],"id":"viu_repositories_4_resources_653_c18","ead_ssi":"viu_repositories_4_resources_653","_root_":"viu_repositories_4_resources_653","_nest_parent_":"viu_repositories_4_resources_653","parent_ssi":"viu_repositories_4_resources_653","parent_ssim":["Arthur J. Morris memorabilia, 1884/1992"],"parent_ids_ssim":["viu_repositories_4_resources_653"],"title_filing_ssi":"Mounted Newspaper Clipping: \"Freedom from Control Urged Consumer Credit\"","title_ssm":["Mounted Newspaper Clipping: \"Freedom from Control Urged Consumer Credit\""],"title_tesim":["Mounted Newspaper Clipping: \"Freedom from Control Urged Consumer Credit\""],"normalized_title_ssm":["Mounted Newspaper Clipping: \"Freedom from Control Urged Consumer Credit\", 1969"],"text":["Mounted Newspaper Clipping: \"Freedom from Control Urged Consumer Credit\", 1969","Arthur J. Morris memorabilia, 1884/1992","box 3"],"parent_unittitles_ssm":["Arthur J. Morris memorabilia, 1884/1992"],"parent_unittitles_tesim":["Arthur J. 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Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.","This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.","Arthur J. Morris Law Library Special Collections","Morris, Arthur J., 1881-1973","English"],"collection_title_tesim":["Arthur J. Morris memorabilia, 1884/1992"],"collection_ssim":["Arthur J. 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Morris Law Library Special Collections"],"acqinfo_ssim":["This collection was donated to the Law Library by the Virginia Morris Kincaid Foundation in February of 1997. The addendums were donated by Virginia Morris Huschke, grandaughter of Mr. Morris, in 2012 and 2013."],"access_subjects_ssim":["Scrapbooks","photographs"],"access_subjects_ssm":["Scrapbooks","photographs"],"has_online_content_ssim":["false"],"extent_ssm":["2 Cubic Feet"],"extent_tesim":["2 Cubic Feet"],"genreform_ssim":["Scrapbooks","photographs"],"date_range_isim":[1884,1885,1886,1887,1888,1889,1890,1891,1892,1893,1894,1895,1896,1897,1898,1899,1900,1901,1902,1903,1904,1905,1906,1907,1908,1909,1910,1911,1912,1913,1914,1915,1916,1917,1918,1919,1920,1921,1922,1923,1924,1925,1926,1927,1928,1929,1930,1931,1932,1933,1934,1935,1936,1937,1938,1939,1940,1941,1942,1943,1944,1945,1946,1947,1948,1949,1950,1951,1952,1953,1954,1955,1956,1957,1958,1959,1960,1961,1962,1963,1964,1965,1966,1967,1968,1969,1970,1971,1972,1973,1974,1975,1976,1977,1978,1979,1980,1981,1982,1983,1984,1985,1986,1987,1988,1989,1990,1991,1992],"bioghist_html_tesm":["\u003cp\u003e\nArthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.\u003c/p\u003e","\u003cp\u003eFor the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.\u003c/p\u003e","\u003cp\u003eEarly in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:\u003c/p\u003e","\u003cp\u003eDear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.\u003c/p\u003e","\u003cp\u003eOn April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.\u003c/p\u003e","\u003cp\u003eIt took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:\u003c/p\u003e","\u003cp\u003e\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"\u003c/p\u003e","\u003cp\u003eSoon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.\u003c/p\u003e","\u003cp\u003eIn his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.\u003c/p\u003e  "],"bioghist_heading_ssm":["Biographical / Historical"],"bioghist_tesim":["Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death."],"scopecontent_html_tesm":["\u003cp\u003eThis collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library.\u003c/p\u003e  "],"scopecontent_heading_ssm":["Scope and Contents"],"scopecontent_tesim":["This collection contains diplomas, certificates, photographs, newspaper clippings, a gold watch and a gold medal, a scrapbook, and many other pieces of memorabilia that belonged to Arthur J. Morris, class of 1901 and a benefactor of the University of Virginia Law Library."],"corpname_ssim":["Arthur J. Morris Law Library Special Collections"],"persname_ssim":["Morris, Arthur J., 1881-1973"],"names_coll_ssim":["Morris, Arthur J., 1881-1973"],"names_ssim":["Arthur J. 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Morris memorabilia, 1884/1992","Addendum to the Arthur J. Morrris Collection [a]"],"parent_ids_ssim":["viu_repositories_4_resources_653","viu_repositories_4_resources_653_c31"],"title_filing_ssi":"Panoramic photograph of the First Morris Plan Bankers Convention that met in Cleveland, OH, October 14-16, 1919","title_ssm":["Panoramic photograph of the First Morris Plan Bankers Convention that met in Cleveland, OH, October 14-16, 1919"],"title_tesim":["Panoramic photograph of the First Morris Plan Bankers Convention that met in Cleveland, OH, October 14-16, 1919"],"normalized_title_ssm":["Panoramic photograph of the First Morris Plan Bankers Convention that met in Cleveland, OH, October 14-16, 1919"],"text":["Panoramic photograph of the First Morris Plan Bankers Convention that met in Cleveland, OH, October 14-16, 1919","Arthur J. Morris memorabilia, 1884/1992","Addendum to the Arthur J. Morrris Collection [a]","Oversize Folder 2"],"parent_unittitles_ssm":["Arthur J. 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Morris memorabilia, 1884/1992","MSS.97.3","Archival Resource Key","Previous Archival Resource Key","/repositories/4/resources/653","Memorabilia","Scrapbooks","photographs","Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. 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Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.\u003c/p\u003e","\u003cp\u003eFor the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.\u003c/p\u003e","\u003cp\u003eEarly in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:\u003c/p\u003e","\u003cp\u003eDear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.\u003c/p\u003e","\u003cp\u003eOn April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.\u003c/p\u003e","\u003cp\u003eIt took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:\u003c/p\u003e","\u003cp\u003e\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"\u003c/p\u003e","\u003cp\u003eSoon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.\u003c/p\u003e","\u003cp\u003eIn his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. The library, bearing his name, opened in 1974, the year after Morris's death.\u003c/p\u003e  "],"bioghist_heading_ssm":["Biographical / Historical"],"bioghist_tesim":["Arthur J. Morris was born in North Carolina in 1881, but grew up in Norfolk, Virginia.  His father, a strict Presbyterian, ran a general store for farmers.  At sixteen, Arthur suffered an Achilles tendon injury during football practice and spent the next 29 months in a wheelchair, despite numerous operations on his heel.  Through much trial and error, he invented a brace that enabled him to walk. In the fall of 1898 Morris entered the University of Virginia, where he studied English literature, moral philosophy, and economics.  Having done previous work at a preparatory school, he received his B.A. in June 1899.  That school year, he was awarded a handsome gold medal for his debating skills and the Phi Beta Kappa key for academic excellence.","For the next two years, he studied law.  In his final year at the University, his father paid an unannounced visit to Charlottesville and caught his son playing poker. His father withdrew further financial assistance for the young man's education.  Morris found odd jobs in order to stay in school, until his mother stepped in and agreed to support him through his law graduation in June 1901.  He returned to his hometown to begin practicing law.","Early in his career, Morris encountered a number of clients who lacked the collateral they needed to borrow money from banks. If these wage earners could not borrow from family members, they were at the mercy of pawnbrokers or loan sharks. Morris, a firm believer in the solid character and dignity of the working class, loaned his own money to these clients. The experience made him cognizant of the need for a lending institution for middle and lower income workers.  He applied to the Virginia Corporation Commission for a charter for such a bank, and received the following reply from its chairman, Judge Robert R. Prentiss:","Dear Arthur: I have carefully considered your application for a charter for your hybrid and mongrel institution.  Frankly, I don't know what it is.  It isn't a savings bank; it isn't a state or national bank; it isn't a charity. It isn't anything I ever heard of before.  Its principles seem sound, however, and its purpose admirable.  But the real reason that I am going to grant a charter is because I believe in you.","On April 1, 1910, with $20,000 of his own and a few associates' funds, Morris opened the Morris Plan Bank.  Soon there were eleven of these banks enabling the average American, with the \"collateral\" of earning power and good character, to borrow in order to buy a house, finance a car, or carry the family through a catastrophic illness.  Morris found that there were few defaults because most borrowers were thrifty and eager to be debt-free.","It took some effort to convince the big financiers in New York to allow the Morris Plan to go nationwide.  Morris later recalled the arguments he employed:","\"I told them simply that America's strength was in mass production and the only way to insure mass production was mass consumption.  And, like night follows day, we can't have mass consumption without mass credit.  And, what's more, mass credit guarantees mass employment.  That got them!  The only thing I left out, but since have learned, was that mass credit would create a standard of living among Americans unequaled anywhere in the world.\"","Soon the Morris Plan was adopted by countless other banks.   In 1917, he branched out and established credit life insurance.","In his later years, Morris was frequently honored for his enormous impact on life in twentieth‑century America. His simple idea of installment credit, coupled with his faith in the average citizen, helped to improve the standard of living for millions.  And from the time of his graduation, Morris maintained close ties with his alma mater from which he received many awards of recognition and appreciation. Near the end of his life he gave a generous donation toward the construction of the law library in the new building at North Grounds. 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