Volume 10
Citation: 10 N.C. Banking Inst. (2006)

ARTICLES

Credit Union Conversions: Charter Choices and Controversy
MICHAEL W. BRIGGS 1

The Credit Card Market and Regulation: In Need of Repair
CAROLYN CARTER, ELIZABETH RENUART, MARGOT SAUNDERS, AND CHI CHI WU 23

BAPCPA and Commercial Credit: Who Do You Trust?
DAVID G. EPSTEIN 57

Notice Requirements: Common Themes and Differences in the Regulatory and Legislative Responses to Data Security Breaches
SATISH M. KINI AND JAMES T. SHREVE 87

NOTES & COMMENTS

I. National Banks

Wachovia Bank, N.A. v. Burke: Preemption of State Law With Respect to National Bank Operating Subsidiaries
RUSSELL J. ANDREW 109

The Preservation of Diversity Jurisdiction for National Banks
MICHELLE E. O'LEARY 133

II. Community Banking

Recent Changes to the Community Reinvestment Act and Their Impact on Community Banks and Rural Economies
CAMDEN C. BETZ 157

Wal-Mart's Industrial Loan Company: The Risk to Community Banks
KEVIN K. NOLAN 187

III. Consumer Credit

Valuables in Your Mailbox? How the Concept of Value in Cole v. U.S. Capital, Inc. Enhances the FCRA's Guidelines Concerning Creditor Marketing
APRIL B. CHANG 209

Overdraft Protection Programs: Consumers Still in the Dark Under Regulation DD
CAROLYN M. GILLIKIN 231

Full Disclosure: How Should Lenders Respond to the Heightened Reporting Requirements of the Home Mortgage Disclosure Act
HENRY M. JAY 247

IV. Data Security

Data Security and Data Breach Notification for Financial Institutions
SEAN C. HONEYWILL 269

Small Business and Identity Theft: Reallocating the Risk of Loss
PENELOPE N. LAZAROU 305

V. International Finance

Equity Investment in Chinese Banks: A Doorway into China's Banking Sector
JACK E. JIRAK 329

Islamic Finance: A Growing Industry in the United States
KIMBERLY J. TACY 355

VI. Emerging Issues

Unexpired Leases Under the New Bankruptcy Act: A Win-Win for Landlords and Lenders?
JORDAN M. KIRBY 379

Waiving the Attorney-Client Privilege Goodbye: The Erosion of the Privilege by Federal Financial Regulatory Agencies
PRISCILLA L. WALTON 399