United States. General Accounting Office and United States. Government Accountability Office. "Community Banks : Effect of Regulations on Small Business Lending and Institutions Appears Modest, but Lending Data Could Be Improved, Report to the Chairman, Committee on Small Business, House of Representatives" in Selected GAO Reports & Testimonies (August 6, 2018). https://fraser.stlouisfed.org/title/6136/item/622290, accessed on November 8, 2025.