North Carolina Banking Institute
Volume 11
Citation: 11 N.C. Banking Inst.          (2007)

ARTICLES

The Curse of History: Good Bank Brands Make Bad Bank Trademarks: JOHN M. CONLEY, JAYNE C. HUNTER 1

Regulatory Guidance on Concentrations in Commercial Real Estate Lending: H. GARY PANNELL, ROBERT L. CAROTHERS 33

The Rise of Southern Banking and the Disparities Among the States Following the Southeastern Regional Banking Compact: THOMAS D. HILLS 57

Bank Holding Company Trust Preferred Securities: Recent Developments: TODD H. EVESON, JOHN F. SCHRAMM 105

NOTES & COMMENTS

I. Recent Agency Actions

Nontraditional Mortgage Products: Does Guidance Effectively Inform Borrowers of Risk?: STUART M. RIGOT 131

In the Name of Parity: An Analysis of the FDIC's Proposed Rulemaking to Preempt Certain State Banking Laws: E. LANG HUNTER 165

II. Issues Facing Depository Institutions

National Banks in the Commercial Real Estate Market: Alarm over the OCC's Recent Expansion of National Banks' Powers May Be Premature: RICK JACKSON 183

Bank-Owned Life Insurance: Much More than Just "Janitors Insurance": JOEL W. MANN 215

Credit Unions: Who Should Be Able to Serve the Underserved?: JEREMY D. FRANKLIN 237

III. Consumer Focus

Payday Lending in North Carolina: Now You See It, Now You Don't: SCOTT A. HEFNER 263

Creditor Certainty and Consumer Protection: Complaints as Initial Communications Under the Fair Debt Collection Practices Act: BRIAN KOONTZ 289

IV. Innovative Products

Scanning Legislative Efforts: Current RFID Legislation Suffers from Misguided Fears: KRISTINA M. WILLINGHAM 313

Individual Development Accounts in North Carolina: SUSAN A. WILLIAMS 343

V. Financial Information in Today's World

Stored Value Cards: Should We Know the Holder?: JOHN T. ALBERS 363

Secrets Hurt: How SWIFT Shook Up Congress, the European Union, and the U.S. Banking Industry: JEREMY S. SHRADER 397

VI. Emerging Financial Markets

Feeling the Stones: Measuring the Potential of Deposit Insurance in China Through a Comparative Analysis: DANIEL L. McCULLOUGH 421