Board of Governors of the Federal Reserve System (U.S.), 1935- and Gramlich, Edward M., 1939-2007 "CRA at Twenty-Five." Remarks at the Consumer Bankers' Association 2002 Community Reinvestment Act Conference, Arlington, Virginia, April 8, 2002, https://fraser.stlouisfed.org/title/914/item/35478, accessed on January 20, 2026.