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Wednesday, April 2

Opening Reception

We would like to thank the law firm of Kane Russell Coleman & Logan, PC for sponsoring a reception for attendees of The ABCs of Banking Law and the Banking Institute attendees on Wednesday, April 2, 2014. Registered attendees for each program will receive an invitation with more details from Kane Russell.

Thursday, April 3

10:00 a.m.

Registration and Coffee

11:00 a.m. - 12:30 p.m.

Cyber-Security Issues in an Insecure World

  • Charles E. Beard, Jr., PricewaterhouseCoopers LLP, Washington, DC (moderator)
  • Michael Monday, Wells Fargo & Company, Charlotte
  • Lisa J. Sotto, Hunton & Williams LLP, New York (coordinator)
  • Emily Stapf, PricewaterhouseCoopers LLP, Washington, DC

Cyber-security threats continue to be among the most pressing issues today. Financial institutions must proactively take steps to protect themselves against the risks arising from the loss of critical business systems and the compromise of personal data, intellectual property and other proprietary information. This session will cover the cybersecurity issues that affect most financial institutions today, from understanding the cybersecurity landscape and current government initiatives in the U.S. to protecting against cyber events.

12:30 p.m. - 1:15 p.m.

Lunch (Included)

1:15 p.m. - 2:00 p.m.

General Counsel Remarks

Beth S. DeSimone, Executive Vice President, General Counsel and Secretary, CommunityOne Bancorp, CommunityOne Bank, NA

Introduction by: A. Patrick Doyle, Arnold & Porter, Washington, DC

2:00 p.m. - 2:10 p.m.

Break

2:10 p.m. - 3:30 p.m.

The Reconstruction of Mortgage Lending: The Impact of the New CFPB and GSE Reform

  • Jonathan N. Miller, FDIC, Washington, DC
  • Reginald T. O’Shields, Federal Home Loan Bank of Atlanta, Atlanta
  • Alfred M. Pollard, FHFA, Washington, DC
  • Thomas P. Vartanian, Dechert LLP, Washington, DC (moderator)
  • Brian Webster, CFPB, Washington, DC

The panel will discuss how the mortgage finance system in the U.S. is being reconstructed after the financial crisis. The panel’s experts and government leaders will discuss the CFPB’s new ability-to-repay rule and its suitability standards. It will also consider how lenders will cope with the new lending, CRA, and Fair Lending risks created by these new rules and how the private and public secondary markets have reacted or will react to these new rules to create liquidity for mortgages and mortgage securities.

3:30 p.m. - 3:40 p.m.

Break

3:40 p.m. - 5:00 p.m.

Community Banking: Where is it Going?

  • R. Lee Burrows, Jr., Banks Street Partners, LLC, Atlanta
  • Richard D. Callicutt II, Bank of North Carolina, High Point
  • Anthony Gaeta, Jr., Wyrick Robbins Yates & Ponton LLP, Raleigh (moderator)
  • Phillip D. Huber, The Hutchison Company, Durham
  • Donald A. Pape, Republic Bank & Trust, Norman, OK
  • William J. Wagner, Raymond James and Associates, Raleigh

This panel of bankers experienced in the field of capital raising and mergers for community-oriented institutions will engage in a free -wheeling and wide-ranging discussion regarding the future for community banks. Will the consolidation phase be continued and what is driving the phase right now? Will a new wave of de novos be forming? What changes, if any, do they see in the governance within the industry by virtue of the vast amount of private equity that has been invested to date and is new equity otherwise available, and how? These are just some of the topics our panel of experts will be asked to address as they bring their perspectives from different regions of the country.

5:00 p.m. - 6:00 p.m.

Reception: Sponsored by The Clearing House

This opportunity to mix and mingle with the participants, including program speakers and the law students who produced the North Carolina Banking Institute journal is always a highlight of the Banking Institute.

The Clearing House is the oldest banking association and payments company in the United States, having been established in 1853. It is owned by the world’s largest commercial banks. The Clearing House Payments Company L.L.C. provides payment, clearing, and settlement services to its member banks and other financial institutions, clearing almost $2 trillion daily and representing nearly half of the automated-clearing-house, funds-transfer, and check-image payments made in the U.S. The Clearing House Association L.L.C. is a nonpartisan advocacy organization representing the interests of its owner banks on a variety of important banking issues. We are grateful to The Clearing House for its generous support of this reception and of our New York Lecture series.

6:00 p.m. - 6:45 p.m.

2014 Banking Institute Annual Dinner**

This is a separately ticketed event, but it is included without additional charge for all speakers, students, those attending as corporate sponsors, or on other special admission rates. Please consider attending to spend more time meeting and talking with colleagues and to hear the after-dinner remarks.

The Third Annual George and Susan Beischer Address

Timothy J. Mayopoulos, President and Chief Executive Officer, Fannie Mae

Introduced by: Scott A. Cammarn, Cadwalader, Wickersham & Taft, LLP, Charlotte

Mayopoulos is the President and Chief Executive Officer, and a member of the company’s board of directors. He joined Fannie Mae shortly after it was placed in conservatorship during the financial crisis, and he has played an integral role in the company’s successful recovery. Under his leadership, Fannie Mae has continued to play a major role in providing mortgage credit, assisting troubled homeowners, building a strong new book of business, and paying taxpayers for their investment in the company. He joined Fannie Mae in April 2009 as Executive Vice President, General Counsel, and Corporate Secretary, and in 2010 he was appointed Chief Administrative Officer. Prior to joining Fannie Mae, He was Executive Vice President and General Counsel of Bank of America Corporation. Previously, he served in senior management roles at Deutsche Bank, AG; Credit Suisse First Boston; and Donaldson, Lufkin & Jenrette, Inc. He is a graduate of Cornell University and the New York University School of Law.

In the Beischer Challenge, George and Susan Beischer agreed to match up to $1 million of grifts and pledges to the Center for Banking and Finance. The gift was completed in 2011 and celebrated at the William Horn Battle Society Dinner on April 2011. In honor of this transformative gift to the Center, its board of advisors voted to name the after-dinner address at the annual Banking Institute in honor of the Beischers. We mourn George’s death in September 2011, and are pleased that the Beischer Address is an annual opportunity to remember George and to thank the Beischers for their generosity.

Friday, April 4

7:45 a.m. - 8:30 a.m.

Continental Breakfast

8:30 a.m. - 9:50 a.m.

Dodd Frank Act Update: What We Need to Work on Now

  • David T. Bloom, SunTrust Banks, Inc., Atlanta
  • Cecelia A. Calaby, American Bankers Association, Washington, DC
  • A. Patrick Doyle, Arnold & Porter LLP, Washington, DC
  • Charles M. Horn, Morgan, Lewis & Bockius LLP, Washington, DC
  • Paige E. Pidano, Federal Reserve Board, Washington, DC

This panel will discuss the most recent final rules to implement the banking operations, safety and soundness, and corporate practices provisions of the Dodd Frank Act as well as impending final actions. Among the topics will be the Volcker Rule, swaps rules compliance, enhanced prudential standards, stress testing, interchange fees, and executive compensation -- with a focus on how all of the rules affect regional and community banking organizations.

9:50 a.m. - 10:00 a.m.

Break

10:00 a.m. - 11:00 a.m.

The Donald C. Clifford, Jr. Distinguished Lecture on Consumer Law

Gail Hillebrand, Associate Director for Consumer Education & Engagement, Consumer Financial Protection Bureau

Introduced by: Donald C. Lampe, Morrison & Foerster LLP, Washington, DC

The Clifford Distinguished Lecture on Consumer Law was established by the UNC School of Law and friends following Professor Clifford’s death. Donald Clifford was the Aubrey L. Brooks Professor and served as a faculty member of Carolina Law from 1964 to 2004, specializing in commercial and consumer law. He founded the law school’s very successful Festival of Legal Learning and served as a member of the Board of Advisors for the Center for Banking and Finance.

11:00 a.m. - 11:10 a.m.

Break

11:10 a.m. - 12:30 p.m.

Enforcement, Restitution and Remediation

  • Lucy E. Morris, CFPB, Washington, DC
  • Laura B. Josephs, SEC, Washington, DC
  • Marguerite Sagatelian, FDIC, Washington, DC
  • Margaret E. Tahyar, Davis Polk, New York (co-coordinator)
  • Amy P. Williams, K&L Gates, Charlotte (co-coordinator)

The panel will discuss recent trends in enforcement actions brought by the federal banking agencies and the CFPB against bank holding companies, banks, and other financial companies. The pane will examine the hot spots for enforcement and attempt to predict trends for future actions, including restitution and remediation.

12:30 p.m. - 2:30 p.m.

Center for Banking and Finance Board of Advisors Luncheon Meeting

UNC School of Law | Van Hecke-Wettach Hall | 160 Ridge Road, CB #3380 | Chapel Hill, NC 27599-3380 | 919.962.5106


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