McAndrews, James J. and Federal Reserve Bank of New York. "Opening Remarks at Mortgage Contract Design: Implications for Households, Monetary Policy and Financial Stability Conference, Federal Reserve Bank of New York : Speech," Statements and Speeches of James J. McAndrews (May 21, 2015). https://fraser.stlouisfed.org/title/7048/item/635710/content/pdf/frbny_speeches_20150521_mca, accessed on May 18, 2026.