Board of Governors of the Federal Reserve System (U.S.), 1935-. "Request for comment on morning settlement finality for ACH credit transactions : Release" in Press Releases of the Board of Governors of the Federal Reserve System
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https://fraser.stlouisfed.org/title/9237/item/674639/content/pdf/frsbog_pr_19981216a, accessed on March 11, 2026.