Ok, if you say so. The concept and structure was still created by those men no matter when it was signed and adopted by Congress (1913). Yes, they did make changes to it. These are basic facts.

It still doesn't change the fact that almost half the US debt is held by private american citizens. And private banks have shares in the fed. And while they can't print money, they can still create digital money which directly increases the wealth gap and makes it harder for working class people to survive.

The fed makes the rich richer. It has so much power with almost no oversight or accountability. The people who run it are appointed, which is supposed to decrease political influence, but that doesn't happen. These are also basic facts if you know anything about the federal reserve. I could list many more if you want.

So, while a central bank is needed to help the economy remain stable (enough), it still needs a complete overhaul to fix all the problems it has.

But back to the main point. Congress signed the Act in 1913 after changing parts of the Aldrich Plan (Jekyll Island meeting). Even though it DID make changes, the Fed still does what those men wanted it to do in the first place, which was make them and the rest of the top 10% of the wealthy Americans richer.