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