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Front Matter
North Carolina Banking Institute

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In Memoriam: Alfred Pershing (A.P.) Carlton, Jr.
North Carolina Banking Institute

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Contents
North Carolina Banking Institute

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Foreword
Roy G. Dixon III and Lissa L Broome

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Counselor at Law and Post-Legal Issues
David G. Leitch

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Addressing the Fundamental Banking Policy Problem of Runs: Effectively Subordinating Large Amounts of Long-Term Debt to Short-Term Debt to End "Too-Big-To-Fail"
John C. Dugan

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Toward a Coherent and Consistent Framework for Treatment of Confidential Supervisory Information
Clifford S. Stanford

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The Evolution of Redlining Post-Financial Crisis and Best Practices for Financial Institutions
Martha J. Svoboda

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A Snake Eating Its Own Tail: The Self-Defeating Nature of an Overly Broad Implementation of Section 1071
Stephen Michael Spivey

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Is it a Violation of the Equal Credit Opportunity Act to Require a Spouse to Guarantee a Loan? If Not, it Should be
Katherine S. Clarke

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Populist Conundrum: Big Banks or Plaintiffs' Bar? Banks Win as Congress Overrides the CFPB Rule Banning Class Action Waivers in Arbitration Agreements
Rebecca D. Floyd

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The CFPB's Ambiguous "Abusive" Standard
Joshua L. Roquemore

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Tying Fiduciary Duties to Student Loans: One Small Step Out of the Massive Debt
Sean R. Whelehan

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NYDFS Cybersecurity Regulations: A Blueprint for Uniform State Statute?
Sabrina Galli

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The Case for a Federal Regulatory Sandbox for Fintech Companies
Luke G. Thomas

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Death of a Benchmark: The Fall of LIBOR and the Rise of Alternative Rates in the United Kingdom and United States
Christopher J. Click

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Kokesh v. SEC: The Demise of Disgorgement
Jacqueline K. Chang

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Expression Yourself: An Analysis of the Interaction Between the Durbin Amendment and New York Surcharge Ban of the New York General Business Law
Peter J. Cline

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Grandfathered into Commerce: Assessing the Federal Reserve's Proposed Rules Limiting Physical Commodities Activities of Financial Holding Companies
Patrick Conlon

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Hedging with "Financial Weapons of Mass Destruction": Cleaning Up the Fallout of Treating All Derivative Transactions Between Bank Affiliates the Same
Patrick D. Morris

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Investors' Trash, Taxpayers' Treasure: The Banco Popular Wipeout and Contingent Convertible Bonds
Joanne Wu