Board of Governors of the Federal Reserve System (U.S.), 1935- and Kohn, Donald L., 1942- "The Changing Business of Banking: Implications for Financial Stability and Lessons from Recent Market Turmoil." Remarks at the Federal Reserve Bank of Richmond's Credit Market Symposium, Charlotte, North Carolina, April 17, 2008, https://fraser.stlouisfed.org/title/464/item/10489, accessed on January 19, 2026.