Sven Beckert, The Monied Metropolis: New York City and the Consolidation of the American Bourgeoisie (New York: Cambridge Univ. Press, 2001), 121-23.
Gische, "New York City Banks," 32-38.
Oberholtzer, Jay Cooke, 1:212-325, esp. 212-22.
Cooke to Chase, Oct. 25, Nov. 12, 1862, r. 23, Chase Papers.
This again is a familiar story,
Larson, Jay Cooke, 119-151, particularly 124-127.
Larson, Cooke, 119-51, esp. 124-27.
The idea of attracting small investors for public debt was not unheard of at the time. The initial investments in the Erie Canal came from middling investors. See Larson.
The best account of the operation of the loan is still Oberholtzer, Jay Cooke, 1: 133-325, especially 151, 163-64, 187-88, 193, 229, 231.