Board of Governors of the Federal Reserve System (U.S.), 1935- and Gardner, Stephen S., 1921-1978 "Statement at the Public Hearings of the Providers Committee of the National Commission on Electronic Fund Transfers, Rayburn House Office Building, Room 2128." November 11-12, 1976, https://fraser.stlouisfed.org/title/953/item/37068, accessed on November 8, 2024.