Aux États‑Unis, par contre, l'étendue du territoire et la pratique novatrice de l'appel direct des emprunteurs au public sur les marchés financiers rendaient difficile le contact personnel entre créanciers et débiteurs.
In the United States, on the other hand, with the vastness of its territory and the pioneering practice of direct access to the public by borrowers through financial markets, personal contact between creditors and debtors was difficult to contemplate.