Covitz, Daniel M. , Hancock, Diana, 1955- and Kwast, Myron L. "Market Discipline in Banking Reconsidered: The Roles of Deposit Insurance Reform, Funding Manager Decisions and Bond Market Liquidity, 2002-046," Finance and Economics Discussion Series (October 2002). https://fraser.stlouisfed.org/title/1491/item/722799, accessed on May 9, 2026.