Board of Governors of the Federal Reserve System (U.S.), 1935- and Gramlich, Edward M. "Subprime Mortgage Lending: Benefits, Costs, and Challenges." Remarks at the Financial Services Roundtable Annual Housing Policy Meeting, Chicago, Illinois, May 21, 2004, https://fraser.stlouisfed.org/title/914/item/35430, accessed on August 28, 2024.