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North Carolina Banking Institute Journal

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

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