Panic of 1837 · US History

How did the 'Distribution Act' of 1836 contribute to the financial instability leading up to the Panic of 1837?

  1. It prohibited the movement of gold between eastern and western banks
  2. It moved the federal surplus from state banks to the states
  3. It lowered the price of public land to one cent per acre
  4. It placed a heavy tax on all bank transactions involving paper money
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Correct answer: It moved the federal surplus from state banks to the states

The Distribution Act required the federal government to distribute its budget surplus to the states. This forced 'pet banks' to suddenly call in loans to find the cash for the federal government, causing a massive credit crunch.

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