Board of Governors of the Federal Reserve System (U.S.), 1935- and Gramlich, Edward M., 1939-2007 "Small Business Access to Capital and Credit." Remarks at the Federal Reserve System Research Conference on Business Access to Capital and Credit, Arlington, Virginia, March 8, 1999, https://fraser.stlouisfed.org/title/914/item/35446, accessed on January 3, 2026.