Board of Governors of the Federal Reserve System (U.S.), 1935-. "Request for comment on proposed retail credit risk guidance : Attachment 1" in Press Releases of the Board of Governors of the Federal Reserve System
(October 27, 2004).
https://fraser.stlouisfed.org/title/9237/item/674420/content/pdf/frsbog_pr_20041027a-1, accessed on March 15, 2026.