Another response to the panic was monetary expansion, primarily at the state level. In Tennessee, Kentucky and Illinois, state banks suspended specie payments and issued large amounts of inconvertible notes. However, most other states avoided inflationist policies and enforced the payment of specie. Every state witnessed vigorous debate on the merits of each policy. Treasury Secretary Crawford advocated restricting bank credit as a measure to prevent a future crisis. Banking regulation was seen as primarily a state responsibility, and several states passed regulations in the years following the panic that required banks to maintain certain fixed ratios of capital to ensure their ability to convert to specie.