Board of Governors of the Federal Reserve System (U.S.), 1935-. "Disparities between FRBs and private-sector banks in presentment and settlement of checks : Release" in Press Releases of the Board of Governors of the Federal Reserve System (December 9, 1998). https://fraser.stlouisfed.org/title/9237/item/674635/content/pdf/frsbog_pr_19981209, accessed on May 12, 2026.