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both are true, the congress does have the power to create banks, even if this power is not specifically described in the constitution, since there is nothing restricting it and there is power given to the congress to make "all laws which shall be necessary and proper". maryland was not allowed to tax a branch of the national bank operating there, and the supreme court decided that no state could. both of these topics were discussed in a decision of the mcculloch v. maryland case in 1819.

president thomas jefferson hoped that the embargo act of 1807 would the united states by demonstrating to britain and france their dependence on american goods, convincing them to respect american neutrality and stop impressing american seamen. instead, the act had a devastating effect on american trade.