Board of Governors of the Federal Reserve System (U.S.), 1935- and Gramlich, Edward M., 1939-2007 "Financial Privacy Issues." Testimony before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Banking and Financial Services, U.S. House of Representatives, July 21, 1999, https://fraser.stlouisfed.org/title/914/item/35427, accessed on January 22, 2026.