Bernanke, Ben , Board of Governors of the Federal Reserve System (U.S.), 1935- and Council of Economic Advisers (U.S.) "Community Banking in a Period of Recovery and Change." Remarks at the Independent Community Bankers of America National Convention, San Diego, California, March 23, 2011, https://fraser.stlouisfed.org/title/453/item/9102, accessed on January 13, 2026.