Congress authorized a second Bank of the United States partly in response to:

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The difficulty in funding the War of 1812 was one of the key reasons why Congress authorized the creation of the Second Bank of the United States in 1816. The government needed a stable source of funds to pay for the war and to manage the country's finances. The first Bank of the United States, which had been chartered in 1791, had been allowed to lapse in 1811 due to opposition from some politicians and states. The second Bank was seen as a solution to the country's financial challenges.

Congress Authorized a Second Bank of the United States Partly