Panic of 1837 · US History

Why did the 'Specie Circular' lead to a contraction of credit in the U.S. economy?

  1. It encouraged Americans to deposit even more of their money into state banks
  2. It drained specie from eastern banks as buyers moved west to buy land
  3. It prompted the British to send additional gold to the United States
  4. It significantly increased the value of paper money relative to gold
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Correct answer: It drained specie from eastern banks as buyers moved west to buy land

As buyers needed gold and silver to purchase land in the west, they withdrew it from eastern banks. This drained the reserves of eastern financial institutions, forcing them to reduce their lending and call in existing loans.

Difficulty: Medium Question 14 of 20

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