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3. Benston, George J., Hanweck, Gerald A., & Humphrey, David B., Scale Economies in Banking: A Restructuring and Reassessment. Journal of Money, Credit, and Banking, 14 (November 1982): 435?456.
4. Berger, Allen N., Hanweck, Gerald A., & Humphrey, David B., Competitive Viability in Banking: Scale, Scope, and Product Mix Economies. Research Papers in Banking and Financial Economics. Washington, D.C.: Board of Governors of the Federal Reserve System, Division of Research and Statistics, Financial Studies Section, 1986.
5. Board of Governors of the Federal Reserve System. Regulatory Analysis of Revised Regulation Z. 46, Fed. Reg. 20941, (April 7, 1981).