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Congress gave the US bank a 20-year charter that started in December 1791.

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The 20-year charter from Congress expired and they decided not to renew it.

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Congress created a Second Bank of the US with a charter ending in 1836.

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Andrew Jackson vetoes the re-charter of the Bank.

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There was a Bank War over the topic of rechartering the Second Bank of the US. This caused the Bank to be replaced with state banks. Over 40% of banks closed which resulted in businesses closing and unemployment.

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Two US federal banking acts were passed that created a system of banks throughout the country at a federal level. This created the US National Banking System.