Harding, W. P. G. (William Proctor Gould), 1864-1930 and Federal Reserve Board, 1914-1935 "Economy in Using Credit." An Address delivered at the conference in Washington Between the Federal Reserve Board, Members of the Federal Advisory Council, and the Class A Directors of the Twelve Federal Reserve Banks, May 18, 1920, https://fraser.stlouisfed.org/title/444/item/7619, accessed on October 10, 2024.