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Along with Treasury Notes, in 1861, Congress licensed the Treasury to borrow $50 million in the form of Need Notes, which didn't bear desire but may very well be redeemed on need for important metals. On the other hand, by December 1861, the Union authorities's offer of specie was outstripped by demand for redemption plus they were being forced to suspend redemption temporarily. The following February, Congress passed the Authorized Tender Act of 1862, issuing United States Notes, which were not redeemable on need and bore no curiosity, but have been legal tender, indicating that creditors had to accept them at experience price for virtually any payment except for general public debts and import tariffs.
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