Transmutation Bankers

The Transmutation Bankers is a group of powerful Wizards whose purpose is to stimulate and maintain economic stability within the civilized world.

## History

The Transmutation Bankers first were a group of rich bankers with banks across the world that saw other regions or nations destabilize due to large criminal organizations manipulating local markets, or through massive treasure hordes being discovered and attempted to be sold off for quick and massive gains. Though the bankers stood to gain more by playing the destabilized markets, they also stood to lose more - in the end the bankers decided to push to establish footholds in every region in order to regulate and stabilize the markets, which meant most trade and banking be done through them. Most governments, recognizing they didnt have nearly the same level of expertise in economic markets, saw the benefits of complying with the bankers guild and welcomed their expansion with open arms.

Though not officially a branch of government, or having any official interest in the laws of the regions in which they established themselves, the ruling governments mostly adopted their suggested laws in order to keep their economies safe:

* No transmutation magic is allowed to be used to manipulate the economy intentionally or unintentionally. This includes making any goods worth more less than their actual value permanently or temporarily.
* No large amounts of goods or wealth are allowed to be introduced into a region that cannot support the devaluation, or in situations where it will impact the economy negatively. These transactions must be completed through official national or banking authorities.

While they are not officially granted any authority, the bakers will pursue breakers of these laws regardless - they are known to have an army of agents that will pursue and investigate suspected violations with ruthless efficiency. This is described as a necessary evil - their close relations with the churches keeps them honest, as a lot of the church's gold is housed within the banker's care.

Since all the gold in most areas of the world goes through the bankers - they hold all the money, and most governments wouldn't have the resources to oppose the bankers and win, though the need for such an occasion has never arisen.

## Structure

The Transmutation Bankers are led by one man, a mysterious man known as the Teller. Little is known about him, but the bankers state he tracks and monitors every price of every commodity with perfect accuracy. And personally ensures economic equilibrium. If you've ever wondered how you can buy a 100gp pearl and it maintains its value of 100gp needed for your spells dispute economic fluxes- the Teller is the answer.

Under him are an army of Transmuter Officials, each ensuring the trade and economies of the regions in which they work are stable and safe.

Each official has several Agents and Bankers working for them in their respective regions, who do the day to day banking and legwork to investigate claims of fraud or magical manipulation if needed.

## Goals

Maintain economic stability within its jurisdiction.

Mitigate large economic influxes of currency or valuables

Police and prevent illegal transmutation in civilized markets

## Limits

Will not openly break any laws of the nation in which they operate

Will not kill over debts, at worst indentured labor is implemented, and only in extreme cases.