Bernanke, Ben , Board of Governors of the Federal Reserve System (U.S.), 1935- and Council of Economic Advisers (U.S.) "Challenges in Housing and Mortgage Markets." Remarks at the Operation HOPE Global Financial Dignity Summit, Atlanta, Georgia, November 15, 2012, https://fraser.stlouisfed.org/title/453/item/9146, accessed on January 5, 2026.