Volume 16Citation: 16 N.C. Banking Inst. (2012) Section Menu North Carolina Banking Institute Journal -About the Journal --Board of Advisors --Center for Banking and Finance -Volumes -The Balance Sheet --How to Submit? --What is Accepted? --Who May Submit? --Recent Articles -Masthead -Subscriptions -Submissions ArticlesA Spirited Conversation Assessing the Risks and Benefits of Big BanksPAUL SALTZMAN, JOHN C. DUGAN, PHILLIP L. SWAGEL, INGO WALTER, ARTHUR E. WILMARTH, JR. 1Past, Present, and Future Threats to Federal Safety Net Benefits in Bank AccountsMARGOT F. SAUNDERS JOHNSON M. TYLER 43Reforming America's Mortgage Market: What Comes After Fannie Mae and Freddie Mac?REGINALD T. O'SHIELDS 99Notes & CommentsDodd-Frank ActLiving Wills: Can a Flexible Approach to Rulemaking Address Key Concerns Surrounding Dodd-Frank's Resolution Plans?CLAY R. COSTNER 133Section 1044 of Dodd-Frank: When Will State Laws be Preempted Under the OCC's Revised Regulations?DANYEALE L. HENSLEY 161What Happens in London, Stays in London: the Long and "Strong" Arms of Dodd-Frank's Small Bank ExemptionVAREN R. MOORE 195Debit Card Interchange Fees and the Durbin Amendment's Small Bank ExemptionM. PIERCE SANDWITH 223International Regulatory Arbitrage Resulting from Dodd-Frank Derivatives RegulationBENJAMIN M. WEADON 249Consumer Financial Protection BureauThe Consumer Financial Bureau and Class Action Waivers after AT&T v. ConcepcionLAETITIA L. CHELTENHAM 273Fighting Yesterday's Battles: Proposed Changes to the Consumer Financial Protection BureauALEC C. COVINGTON 299Why the CFPB Should Reconsider Dodd-Frank's Prohibition on Yield Spread PremiumsNICOLE M. OLVERA 323Alternative Energy LendingThe Missing Lending Link: Why a Federal Loan Guarantee Program is Critical to the Continued Growth of the Solar Power IndustryDANIEL K. TRACEY 349Stock Exchange MergersThe Failed NYSE Euronext-Deutsche Borse Group Merger: Foreshadowing Future Consolidation of the Global Stock Exchange MarketCHRISTINA D. CRESS 375Securities Regulation: Rule 10b-5The Effects of an Undefined "Ultimate Authority" Standard for Rule 10b-5 Claims: Janus Capital Group, Inc. v. First Derivative TradersBRYAN P. KING 405A Review of The New Financial Deal by David SkeelLOUIS MASSARD 435 North Carolina Banking Institute Journal About the JournalVolumesThe Balance SheetMastheadSubscriptionsSubmissions Go to Top of Page