Board of Governors of the Federal Reserve System (U.S.), 1935- and Gramlich, Edward M. "Reforms in the Truth in Lending Act and the Real Estate Settlement Procedures." Testimony before the Subcommittee on Financial Institutions and Regulatory Relief and the Subcommittee on Housing Opportunity and Community Development of the Committee on Banking, Housing, and Urban Affairs, U.S. Senate, July 17, 1998, https://fraser.stlouisfed.org/title/914/item/35456, accessed on December 20, 2024.