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The Second Bank of the United States opened in January 1817, six years after the First Bank of the United States lost its charter. The predominant reason that the Second Bank of the United States was chartered was that in the War of 1812, the U.S. experienced severe inflation and had difficulty in financing military operations. Subsequently ...
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The Federal Reserve is the central bank of the United States. The central banking system of the United States, called the Federal Reserve system, was created in 1913 by the enactment of the Federal Reserve Act, largely in response to a series of financial panics, particularly a severe panic in 1907.
By 1797 there were 24 chartered banks in the U.S.; with the beginning of the free banking era (1837) there were 712. Privately issued note, 1863. During the free banking era, the banks were short-lived compared to today's commercial banks, with an average lifespan of five years.
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