Volume 11
Citation: 11 N.C. Banking Inst. (2007)

ARTICLES

The Curse of History: Good Bank Brands Make Bad Bank Trademarks
JOHN M. CONLEY, JAYNE C. HUNTER 1

Regulatory Guidance on Concentrations in Commercial Real Estate Lending
H. GARY PANNELL, ROBERT L. CAROTHERS 33

The Rise of Southern Banking and the Disparities Among the States Following the Southeastern Regional Banking Compact
THOMAS D. HILLS 57

Bank Holding Company Trust Preferred Securities: Recent Developments
TODD H. EVESON, JOHN F. SCHRAMM 105

NOTES & COMMENTS

I. Recent Agency Actions

Nontraditional Mortgage Products: Does Guidance Effectively Inform Borrowers of Risk?
STUART M. RIGOT 131

In the Name of Parity: An Analysis of the FDIC's Proposed Rulemaking to Preempt Certain State Banking Laws
E. LANG HUNTER 165

II. Issues Facing Depository Institutions

National Banks in the Commercial Real Estate Market: Alarm over the OCC's Recent Expansion of National Banks' Powers May Be Premature
RICK JACKSON 183

Bank-Owned Life Insurance: Much More than Just "Janitors Insurance"
JOEL W. MANN 215

Credit Unions: Who Should Be Able to Serve the Underserved?
JEREMY D. FRANKLIN 237

III. Consumer Focus

Payday Lending in North Carolina: Now You See It, Now You Don't
SCOTT A. HEFNER 263

Creditor Certainty and Consumer Protection: Complaints as Initial Communications Under the Fair Debt Collection Practices Act
BRIAN KOONTZ 289

IV. Innovative Products

Scanning Legislative Efforts: Current RFID Legislation Suffers from Misguided Fears
KRISTINA M. WILLINGHAM 313

Individual Development Accounts in North Carolina
SUSAN A. WILLIAMS 343

V. Financial Information in Today's World

Stored Value Cards: Should We Know the Holder?
JOHN T. ALBERS 363

Secrets Hurt: How SWIFT Shook Up Congress, the European Union, and the U.S. Banking Industry
JEREMY S. SHRADER 397

VI. Emerging Financial Markets

Feeling the Stones: Measuring the Potential of Deposit Insurance in China Through a Comparative Analysis
DANIEL L. McCULLOUGH 421