9Janathan Ward, Technological Change, Financial Innovation, And Financial Regulation in the U.S: The Challenges for Public Policy, Cambridge Endowment for Research in Finance, working paper2, June, 2002.
10Jerry L. Jordan, Effective Supervision and the Evolving Financial Services Industry ,This Commentary is adapted from his keynote address to the 11th Annual Meeting of the Ohio Bankers Association on May 31, 2001.