Bernanke, Ben , Board of Governors of the Federal Reserve System (U.S.), 1935- and Council of Economic Advisers (U.S.) "Brief Welcoming Remarks at "Community Banking in the 21st Century," a Conference Co-sponsored by the Federal Reserve System and the Conference of State Bank Supervisors, St. Louis, Missouri." October 2, 2013, https://fraser.stlouisfed.org/title/453/item/9161, accessed on January 20, 2026.