North Carolina Banking Institute
Volume 10
Citation: 10 N.C. Banking Inst.          (2006)

ARTICLES

Credit Union Conversions: Charter Choices and Controversy: MICHAEL W. BRIGGS 1

The Credit Card Market and Regulation: In Need of Repair: CAROLYN CARTER, ELIZABETH RENUART, MARGOT SAUNDERS, AND CHI CHI WU 23

BAPCPA and Commercial Credit: Who Do You Trust?: DAVID G. EPSTEIN 57

Notice Requirements: Common Themes and Differences in the Regulatory and Legislative Responses to Data Security Breaches: SATISH M. KINI AND JAMES T. SHREVE 87

NOTES & COMMENTS

I. National Banks

Wachovia Bank, N.A. v. Burke: Preemption of State Law With Respect to National Bank Operating Subsidiaries: RUSSELL J. ANDREW 109

The Preservation of Diversity Jurisdiction for National Banks: MICHELLE E. O'LEARY 133

II. Community Banking

Recent Changes to the Community Reinvestment Act and Their Impact on Community Banks and Rural Economies: CAMDEN C. BETZ 157

Wal-Mart's Industrial Loan Company: The Risk to Community Banks: KEVIN K. NOLAN 187

III. Consumer Credit

Valuables in Your Mailbox? How the Concept of Value in Cole v. U.S. Capital, Inc. Enhances the FCRA's Guidelines Concerning Creditor Marketing: APRIL B. CHANG 209

Overdraft Protection Programs: Consumers Still in the Dark Under Regulation DD: CAROLYN M. GILLIKIN 231

Full Disclosure: How Should Lenders Respond to the Heightened Reporting Requirements of the Home Mortgage Disclosure Act?: HENRY M. JAY 247

IV. Data Security

Data Security and Data Breach Notification for Financial Institutions: SEAN C. HONEYWILL 269

Small Business and Identity Theft: Reallocating the Risk of Loss: PENELOPE N. LAZAROU 305

V. International Finance

Equity Investment in Chinese Banks: A Doorway into China's Banking Sector: JACK E. JIRAK 329

Islamic Finance: A Growing Industry in the United States: KIMBERLY J. TACY 355

VI. Emerging Issues

Unexpired Leases Under the New Bankruptcy Act: A Win-Win for Landlords and Lenders?: JORDAN M. KIRBY 379

Waiving the Attorney-Client Privilege Goodbye: The Erosion of the Privilege by Federal Financial Regulatory Agencies: PRISCILLA L. WALTON 399