North Carolina Banking Institute
Volume 8
Citation: 8 N.C. Banking Inst.         (2004)

ARTICLES

The Federal Reserve's Proposed Interpretation Regarding the Anti-Tying Restrictions of Section 106 of the Bank Holding Company Act Amendments of 1970: Richard K. Kim 1

Federal Preemption and the Challenge to Maintain Balance in the Dual Banking System: Robert C. Eager and C. F. Muckenfuss, III 21

Financial Literacy, Regulation and Consumer Welfare: Joseph A. Smith, Jr. 77

Operational Risk in Basel II: Michael E. Bleier 101

The Legal Giants that Propelled North Carolina Banks to National Prominence: Paul J. Polking, Marion A. Cowell, and Jerone C. Herring: Lissa L. Broome 119

NOTES & COMMENTS

I. New Regulations Affecting the Banking Industry

HIPAA: Demystifying the Implications for Financial Institutions: Jessica M. Lewis 141

Problems with Potential Application of Selected Provisions of the Sarbanes-Oxley Act of 2002 to Small, Non-Public Banking Organizations: Jonathan A. Treadway 165

The New Rule 10b-18: How the Wachovia Merger Continues to Plague the Future of the Banking Industry: James E. Langston, Jr. 191

II. Tying Restrictions

Tying: Enhancing Competition Through the Banking Holding Company: David R. Kinman 215

III. Financial Accounting and Derivatives

The Citigroup and J.P. Morgan Chase Enron Settlements: The Impact on the Financial Services Industry: Vaughn K. Reynolds 247

The Proposed Regulatory Changes to Fannie Mae and Freddie Mac: An Analysis: Jason T. Strickland 267

The Dark Side of Derivatives: A Book Note on Infectious Greed: How Deceit and Risk Corrupted the Financial Markets by Frank Partnoy: Monica S. Tew 289

IV. Bank Corporate Structure

Should the IRS Continue to Deny Banks the Benefits of the LLC Structure?: T. Scott Kummer 325

V. Consumer Protection Issues

Bounce Protection: Payday Lending in Sheep's Clothing?: Owen B. Asplundh 349

Preemption and the North Carolina Predatory Lending Law: C. Bailey King, Jr. 377

Third Circuit's Decision in Roberts v. Fleet Bank: Thinking Outside of the "Schumer Box" or "Consumerism Gone Berserk"?: John A. Marold 399