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Table of Contents
North Carolina Banking Institute

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The Curse of History: Good Bank Brands Make Bad Bank Trademarks
John M. Conley and Jayne C. Hunter

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Regulatory Guidance on Concentrations in Commercial Real Estate Lending
H. Gary Pannell and Robert L. Carothers Jr.

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The Rise of Southern Banking and the Disparities among the States following the Southeastern Regional Banking Compact
Thomas D. Hills

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Bank Holding Company Trust Preferred Securities: Recent Developments
Todd H. Eveson and John F. Schramm

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Nontraditional Mortgage Products: Does Guidance Effectively Inform Borrowers of Risk
Stuart M. Rigot

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In the Name of Parity: An Analysis of the FDIC's Proposed Rulemaking to Preempt Certain State Banking Laws
E. Lang Hunter

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National Banks in the Commercial Real Estate Market: Alarm over the OCC's Recent Expansion of National Bank's Powers May Be Premature
Rick Jackson

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Bank-Owned Life Insurance: Much More than Just Janitors Insurance
Joel W. Mann

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Credit Unions: Who Should Be Able to Serve the Underserved
Jeremy D. Franklin

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Payday Lending in North Carolina: Now You See It, Now You Don't
Scott A. Hefner

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Creditor Certainty and Consumer Protection: Complaints as Initial Communications under the Fair Debt Collection Practices Act
Brian Koontz

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Scanning Legislative Efforts: Current RFID Legislation Suffers from Misguided Fears
Kristina M. Willingham

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Individual Development Accounts in North Carolina
Susan A. Williams

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Stored Value Cards: Should We Know the Holder
John T. Albers

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Secrets Hurt: How SWIFT Shook up Congress, the European Union, and the U.S. Banking Industry
Jeremy S. Shrader

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Feeling the Stones: Measuring the Potential of Deposit Insurance in China through a Comparative Analysis
Daniel L. McCullough