The noble Lord tells you that, heretofore, a farmer, with a good stock, was able to borrow capital to carry on his business; but that now, let his corn-yard be ever so full, he cannot borrow a shilling, because the banker has not the power of giving him one-pound notes. The noble Lord says--the banker gets no interest upon his own capital, and therefore will not lend it. My Lords, the banker who lends his capital to a farmer, or trader, does obtain interest for the use of it, in the shape of discount upon the bill, or other security, which the borrower gives him. The question with him, at present, is one of security, and not of profit. If the banker should lend, under existing circumstances, he must lend his own real capital, and not a fictitious capital in the shape of one pound notes, created for the purpose. He must be certain that the security given to him is good and available, as it ought to be; and if he is not satisfied with the profits arising from the use of his capital, it is because he thinks the risk is so great as not to be covered by the profits. The noble Lord would wish to pledge your Lordships, by your votes this night, to give the country bankers additional profits, by enabling them to coin money, or to create fictitious paper to any extent, and thus to create a fictitious capital. _February 4, 1830._ * * * * * _Taxes reduced under a Metallic Currency._ In answer to all the declamations we have heard this night respecting the evils resulting from a metallic currency, I beg leave to remind the House of some facts; since the year 1815, and principally since the Bank restriction was taken off, measures have been adopted to relieve the country of taxes to the amount of 27,000,000 l. sterling; and measures have been also adopted which have reduced the charges of the national debt between 3,000,000 l. and 4,000,000 l. a year, that being the interest on nearly 100,000,000 l. sterling. I beg your Lordships will bear this circumstance in mind; and let me tell you, that all the advantages of a so-called equitable adjustment will never equal the advantage already obtained from an adherence to the principles of justice and good faith. _February 4, 1830._ _Causes of Manufacturing Distress._