Here's a take on kirtland security Society: "Starting operations without a charter was clearly an unwise decision. It is doubtful that Joseph and associates had time to receive detailed legal advice between the time their first charter application was denied and the beginning of banking operations,[14] but the documents creating the KSS clearly bear the marks of being drafted by legal counsel.[15] There are also marked differences between the documents prepared for a bank with a charter, and for the subsequent "anti-banking society," suggesting that Church leaders did not simply "rewrite" the original legal documents: " (snip) /con't