Lacker, Jeffrey Malcolm and Federal Reserve Bank of Richmond. "Real Regulatory Reform : Speech : Institute of International Bankers, Annual Washington Conference, Washington, D.C." in Statements and Speeches of Jeffrey M. Lacker (March 1, 2010). https://fraser.stlouisfed.org/title/6827/item/678680/content/pdf/lacker_20100301, accessed on July 20, 2026.