In what ways did the second continental congress serves as the first national government?

A delegate from each colony came and assumed the powers of a central government, they organized an army and navy, issued money. They did everything a government would do, only they had no constitutional authority.

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.

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