McAndrews, James J. and Federal Reserve Bank of New York. "The Economy and the Household Debt and Credit Report : Remarks at the Household Debt and Credit Press Briefing, New York City," Statements and Speeches of James J. McAndrews (February 28, 2013). https://fraser.stlouisfed.org/title/7048/item/635675, accessed on December 6, 2025.