Board of Governors of the Federal Reserve System (U.S.), 1935-. "Study results on the retail payments system : Release" in Press Releases of the Board of Governors of the Federal Reserve System
(November 14, 2001).
https://fraser.stlouisfed.org/title/9237/item/674942/content/pdf/frsbog_pr_20011114b, accessed on September 14, 2026.