A Treatise on Currency and Banking

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The suspension of specie payments by all the banks in the United States, south of New England, in the year 1814, and of all, with a very few trifling excep tions, in the year 1837, has strongly impressed-the public mind with the belief that there is something defective in the present banking system of this coun try; and it is not, perhaps, venturing too much to assert, that there are now elements at work, which will ultimately overthrow the whole fabric, unless those who have the power to remedy the evil, shall introduce the reforms which can alone render a repe tition of such a calamity impossible.

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