North Carolina Banking Institute
Volume 12
Citation: 12 N.C. Banking Inst. (2008)
ARTICLES
Reducing Battles Between First and Second Lien Holders Through Intercreditor Agreements: The Role of the New ABA Model Intercreditor Agreement Task Force: GARY D. CHAMBLEE 1
The Evolution of a Suitability Standard in the Mortgage Lending Industry: The Subprime Meltdown Fuels the Fires of Change: FRANK A. HIRSCH, JR. 21
U.S. Adoption of Basel II and the Basel II Securitization Framework: ROBERT F. HUGI, JASON H.P. KRAVITT, CAROL A. HITSELBERGER 45
What Do You Mean I'm A Lobbyist?: New Government Contractor Restrictions and What They Will Mean for Banking Institutions: PAULA L. HOPPER, ROBERT G. HENSLEY, JR. 103
The Subprime Morass: Past, Present and Future: KENNETH C. JOHNSTON, JAMES B. GREER, JULIE K. BIERMACHER, JOSEPH HUMMEL 125
Regulation R: The Beginning of the End or the End of the Beginning of Bank Securities Brokerage Activities?: JEROME J. ROCHE, BABBACK SABAHI 141
NOTES & COMMENTS
I. New Legislative Efforts
Federal Usury Law for Service Members: The Talent-Nelson Amendment: PATRICK M. AUL 163
Don't Bet on This Legislation: The Unlawful Internet Gambling Enforcement Act Places a Bigger Burden on Financial Institutions than Internet Gambling: JASON A. MILLER 185
College Cost Reduction and Access Act: A Good Step, but Only a Step: TRAVIS L. PACKER 221
II. Identity Protection and Consumer Credit
Identity Theft and the Case for a National Credit Freeze Law: KRISTAN T. CHENG 239
Adverse Action Notices Under the FCRA: The Supreme Court Provides Guidance: MEGHAN F. MCCLURE 273
Alien to Financial Services: Should Social Security Numbers Be Required for Banking Services Provided to Immigrants?: DREW K. KIFNER 303
III. Consumer Fraud
Other People's Money: How a Time-Gap in Credit Reporting May Lead to Fraud: J. ALEX HEROY 321
Checking in and Cashing out: Cashier's Check Fraud, Depository Liability and Proposed Solutions: ALEX Y. LIEBERMAN 353
IV. Financial Systems in Developing Markets
Microfinance in Rural China: Government Initiatives to Encourage Participation by Foreign and Domestic Financial Institutions: J. WYATT KENDALL 375
V. Book Review
Leading for Growth: Assessing the Growth Impact of Umpqua Bank's "Cultural Makeover:"
CHASE A. TWEEL 397