Board of Governors of the Federal Reserve System (U.S.), 1935- and Martin, Preston "Some Causes and Consequences of Financial Innovation." Remarks before the Securities and Exchange Commission's Conference on Major Issues Confronting the Nation's Financial Institutions and Markets in the 1980s, Washington, D.C., October 7, 1982, https://fraser.stlouisfed.org/title/947/item/36786, accessed on February 16, 2025.