Board of Governors of the Federal Reserve System (U.S.), 1935- and Coldwell, Philip E., 1922- "The Balance of Changing Regulatory and Competitive Pressures." Remarks at the Annual Meeting of the Seventh District Texas Bankers' Association, Fort Worth, Texas, February 21, 1977, https://fraser.stlouisfed.org/title/946/item/36735, accessed on February 16, 2025.