Harding, W. P. G. (William Proctor Gould), 1864-1930 and Federal Reserve Board, 1914-1935 "The present position and future development of the Federal Reserve System." Address before the Forum of the New York Chapter, American Institute of Banking, November 1, 1916, https://fraser.stlouisfed.org/title/444/item/7615, accessed on August 24, 2024.