Spoth, Christopher and Federal Savings and Loan Insurance Corporation "Statement on Enhancing Safety and Soundness: Lessons Learned and Opportunities for Continued Improvement before the Subcommittee on Financial Institutions and Consumer Protection, Senate Committee on Banking, Housing, and Urban Affairs." June 15, 2011, https://fraser.stlouisfed.org/title/6967/item/630133, accessed on January 22, 2026.