Volume 13
Citation: 13 N.C. Banking Inst. (2009)

ARTICLES

In Remembrance: Donald F. Clifford, Jr.
LISSA L. BROOME, BOARD OF ADVISORS 1

Wall Street Meets Main Street: Understanding the Financial Crisis
EAMONN K. MORAN 5

Perspectives on the Financial Crisis: Introduction
EDITORIAL BOARD 103

Stripping Off Market Accountability: Housing Policy Perspectives on the Crises in the Financial System
CHARLES E. DAYE 105

Bankruptcy Reform and the Financial Crisis
MELISSA B. JACOBY 115

Filling a Regulatory Gap: It is Time to Regulate Over-The-Counter Derivatives
THOMAS LEE HAZEN 123

Extraordinary Government Intervention to Bolster Bank Balance Sheets
LISSA L. BROOME 137

The New Crisis for the New Century: Some Observations on the "Big Picture" Lessons of the Global Financial Crisis of 2008
SAULE T. OMAROVA 157

Whither Wachovia? Wells Fargo Wins the Battle for the Storied North Carolina Banking Institution
FRANK A. HIRSCH, JR., JOSEPH S. DOWDY 167

Loan Modifications: Turbulent Times - Troublesome Topics
J. THOMAS DUNN, JR. 197

The Cooperative Structure of the Federal Home Loan Banks: A Model for Government Sponsored Enterprises?
JILL SPENCER, JULIA BROWN, REGGIE O'SHIELDS 227

North Carolina Leads Again: Loan Servicing Amendments to the Mortgage Lending Act
DONALD C. LAMPE 247

NOTES & COMMENTS

I. Financial Products

The Emerging U.S. Market for Covered Bonds
MILLER A. JEFFERSON 263

Auction-Rate Securities: A Fast and Furious Fall
SEAN T. SEELINGER 287

401(k) Debit Card: Valuable Asset or Another Way to Deplete Retirement Accounts?
ANDREW O. FURUSETH 317

Reverse Mortgages: Changes Brought About by the Housing and Economic Recovery Act
ANNIE E. NELSON 337

II. Current Issues Affecting the London Interbank Offered Rate

LIBOR Left in Limbo; A Call for More Reform
JUSTIN T. WONG 365

III. Investing in Financial Institutions

Private Equity Investment in Financial Institutions and How to Avoid Becoming a Bank Holding Company
RAVI R. DESAI 385

Chinese Banks' Reemergence in the United States
JOHN D. FITZPATRICK 413

IV. Consumer Focus

The Exploitation of Bank Charges and Undermining of Consumer Protection: Exploring the Realms of High-to-Low Check Posting
WILLIE E. SPRUILL, II 433

V. North Carolina's Response to the Mortgage Crisis

North Carolina's Emergency Measures to Reduce Home Foreclosures
CAROLYN E. WALDREP 453

VI. Case Studies and Comment

The Federal Reserve's Catch-22: A Legal Analysis of the Federal Reserve's Emergency Powers
THOMAS O. PORTER, II 483

The Decline and Fall of IndyMac: How Deteriorating Economic Conditions, Inadequate Responses to those Conditions, and the Senior Senator from New York Caused One of the Largest Bank Failures in United States History
JASON MORAN-BATES 515

Finding Middle Ground in the Preemption War Between States and Federal Financial Institutions: The Practical Limitations on State Farm Bank, F.S.B. v. Reardon
EMMA J. HODSON 541

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