Volume 14
Citation: 14 N.C. Banking Inst. (2010)

ARTICLES

Necessity is the Mother of Innovation During the Credit Crisis
DAVID LINE BATTY 1

Ponzi Schemes and Litigation Risks: What Every Financial Services Company Should Know
KENNETH C. JOHNSTON, KELLIE M. JOHNSON, JOSEPH A. HUMMEL 29

Executive Compensation and Risk: TARP Rules for Financial Institutions Trigger Broader Risk Assessment of Compensation Policies
MICHAEL S. MELBINGER 59

Retirement Savings in the Face of Increasing Longevity: The Advantages of Deferring Retirement
CHASE A. TWEEL 103

Automated Injustice: How a Mechanized Dispute System Frustrates Consumers Seeking to Fix Errors in their Credit Reports
CHI CHI WU 139

NOTES & COMMENTS

I. The North Carolina Banking Institute Symposium on the Foreclosure Crisis

Overview
KATHRYN E. JOHNSON, CAROLYN E. WALDREP 191

The Right to Rent, Another Approach to Combat the Foreclosure Crisis
DANIEL J. BEHREND 219

The Unintended and Unconstitutional Consequences of the Helping Families Save Their Homes Act
LEILA A. HICKS 237

Municipalities Fight Effects of Foreclosure with Litigation and Neighborhood Stabilization Program Grants
S. ADELINE MCKINNEY 257

Mortgage Cramdown in Bankruptcy as a Necessary Incentive to Encourage Mortgage Modifications
MARJORIE B. MAYNARD 275

II. Credit CARD Act

Credit Card Reform Goes to College
REGINA L. HINSON 287

The Credit CARD Act of 2009: An Effective but Incomplete Solution Evidencing the Need for a Federal Regulator
JACLYN RODRIGUEZ 309

III. Troubled Asset Relief Program

The AIG Bailout: Constraining the Fed's Discretion
ANDREW P. ATKINS 335

Citizens South: Innovative Use of TARP Funds Creates Value for Customers, Community, and the Bank
PATRICK D. CRAIG 361

IV. Legislation and Regulation

The FDIC's Special Assessment: Basing Deposit Insurance on Assets Instead of Deposits
PETER S. KIM 381

Private Equity Investment in Failed Banks: Appropriate Investors Welcome
FRANK RIGHEIMER MARTIN 403

UBS Strikes a Deal: The Recent Impact of Weakened Bank Secrecy on Swiss Banking
CAROLYN B. LOVEJOY 435

V. Case Comments

Cuomo v. Clearing House Association: The Latest Chapter in the OCC's Pursuit of Chevron Deference
RAMYN ATRI 467

In re Yellowstone Mountain Club: Equitable Subordination to Police Inequitable Conduct by Non-Insider Creditors
MARINA MONTES 495

Keeping Secured Lending Secure: The Limited Legacy of Chrysler's Section 363 Bankruptcy
SPENCER C. ROBINSON 515

VI. Book Review

Free Markets and Government Regulation: The Competing Views of Thomas Woods and George Cooper
DAVID SHAY CORBETT II 547