United States. General Accounting Office and United States. Government Accountability Office. "Bank Capital Reforms : Initial Effects of Basel III on Capital, Credit, and International Competitiveness, Report to the Chairman, Subcommittee on Financial Institutions and Consumer Credit, Committee on Financial Services, House of Representatives" in GAO Reports & Testimonies (November 20, 2014). https://fraser.stlouisfed.org/title/6136/item/622266, accessed on March 15, 2025.