- That which is to develop a new individual; as, the germ of a
fetus, of a plant or flower, and the like; the earliest form under
which an organism appears. - That from which anything springs; origin; first principle;
as, the germ of civil liberty.
Garn-St Germain Depository Institutions Garn-St Germain Depository Institutions Act is the a deregulation law, passed in 1982 that permitted nonbank thrift institutions to become