Federal Reserve Bank of St. Louis. "Annual Report 2014 : Annual Report : Speed, Security, Efficiency: Improving the U.S. Payment System,"
Annual Report of the Federal Reserve Bank of St. Louis
(as of December 31, 2014).
https://fraser.stlouisfed.org/title/149/item/519206/content/pdf/2014_frbstl_annualreport, accessed on February 27, 2026.