Board of Governors of the Federal Reserve System (U.S.), 1935- and Gramlich, Edward M. "Consumer Credit in the 21st Century." Remarks before the 25th Anniversary Conference of the Credit research Center, McDonough School of Business, Georgetown University, Arlington, Virginia, November 4, 1999, https://fraser.stlouisfed.org/title/914/item/35447, accessed on December 22, 2024.