Board of Governors of the Federal Reserve System (U.S.), 1935- and Gramlich, Edward M. "Testimony before the Committee on Banking, Housing and Urban Affairs, U.S. Senate." On H.R. 3150, the Bankruptcy Reform Act of 1998, March 25, 1999, https://fraser.stlouisfed.org/title/914/item/35440, accessed on December 22, 2024.