Lacker, Jeffrey Malcolm and Federal Reserve Bank of Richmond. "Innovation in the New Financial Regulatory Environment : 2011 Ferrum College Forum on Critical Thought, Innovation & Leadership, Roanoke, Va." in Statements and Speeches of Jeffrey M. Lacker (April 7, 2011). https://fraser.stlouisfed.org/title/6827/item/678696, accessed on January 15, 2026.