Eberley, Doreen R. and Federal Deposit Insurance Corporation "Statement on State of Community Banking: Is the Current Regulatory Environment Adversely Affecting Community Financial Institutions? before the Subcommittee on Financial Institutions and Consumer Credit; Committee on Financial Services, U.S. House of Representatives." March 20, 2013, https://fraser.stlouisfed.org/title/6975/item/629762, accessed on January 22, 2026.