North Carolina Banking Institute
Volume 7
Citation: 7 N.C. Banking Inst. (2003)
ARTICLES
Bank Governance: An Independent Director's Perspective: John D. "Jay" Cornet 1
An Overview of Some Rules and Principles for Delivering Consumer Disclosures Electronically: R. David Whitaker 11
Replacing Paper Writings With Electronic Records in Consumer Transactions: Purposes, Pitfalls and Principles: Jean Braucher 29
A Case Study of the Challenge of Designing Effective Electronic Consumer Credit Disclosures: The Interim Rule for the Truth in Lending Act: Margot Saunders 39
Discussion Draft of the Proposed North Carolina Bar Association Illustrative Form of Legal Opinion for Uniform Commercial Code Secured Lending Transactions: David L. Batty, Uniform Commercial Code Committee of the Business Law Section of the North Carolina Bar Association 73
NOTES & COMMENTS
I. Anti-Terrorism Banking Issues
Terrorism Insurance and Commercial Real Estate: The New Frontier: Alison R. Orlans 93
The New Indentity Crises: USA PATRIOT Act Customer Identification Programs and the Matricula Consular as Primary Identity Verification for Mexican Nationals: Kathryn Lee Holloman 125
II. Professional Responsibility and Liability in a Post-Enron World
Section 307 of the Sarbanes-Oxley Act: Eroding the Legal Profession's System of Self-Governance?: Stephanie R.E. Patterson 155
Accounting for and Disclosure of Special Purpose Entities by Financial Holding Companies: Lessons from PNC Financial Services: Joyita R. Basu 177
Investment Banking Conflicts: Research Analysts and IPO Allocations: Phillip Ballard Kennedy 199
The National Association of Securities Dealers' Arbitration of Investor Claims Against its Brokers: Taming the Fox that Guards the Henhouse: Paul Joseph Foley 239
III. Updates on North Carolina Real Estate Law
North Carolina's Mortgage Lending Act: Licensing and Regulation of Mortgage Bankers and Brokers: Caroline V. Barbee 263
The Role of Laypersons in the Closing of Residential Real Estate Transactions: North Carolina's New Approach: Janet Kennedy Dawson 277
IV. Payday Lending
The Beginning of the End: The Demise of Bank Partnerships With Payday Lenders: Tasha L. Winebarger 317
The Availability of Statutory Damages Under TILA to Remedy the Sharp Practice of Payday Lenders: Thomas A. Wilson 339
V. State Farm Bank
State Farm Insurance Company: The Unitary Thrift Holding Company Model for Integrated Financial Services: Ryan Melcher 353
VI. PayPal
Online Peer-to-Peer Payments: PayPal Primes the Pump, Will Banks Follow?: Carl Kaminski 375
VII. Credit Union Member Business Lending
Can Credit Union Member Business Loans Meet the Need for More Credit to Small Businesses?: Katherine E. Howell-Best 405
VIII. Holocaust Restitution Efforts
The Victim's Fortune: The Struggle for Restitution for Holocaust Victims: Garrett Perdue 423