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Table of Contents
North Carolina Banking Institute

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Reducing Battles between First and Second Lien Holders through Intercreditor Agreements: The Role of the New ABA Model Intercreditor Agreement Task Force
Gary D. Chamblee

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The Evolution of a Suitability Standard in the Mortgage Lending Industry: The Subprime Meltdown Fuels the Fires of Change
Frank A. Hirsch Jr.

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U.S. Adoption of Basel II and the Basel II Securitization Framework
Robert F. Hugi, Jason H.P. Kravitt, and Carol A. Hitselberger

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What Do You Mean I'm a Lobbyist: New Government Contractor Restrictions and What They Will Mean for Banking Institutions
Paula L. Hopper and Robert G. Hensley Jr.

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The Subprime Morass: Past, Present, and Future
Kenneth C. Johnston, James B. Greer, Julie K. Biermacher, and Joseph Hummel

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Regulation R: The Beginning of the End or the End of the Beginning of Bank Securities Brokerage Activities
Jerome J. Roche and Babback Sabahi

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Federal Usury Law for Service Members: The Talent-Nelson Amendment
Patrick M. Aul

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Don't Bet on This Legislation: The Unlawful Internet Gambling Enforcement Act Places a Bigger Burden on Financial Institutions than Internet Gambling
Jason A. Miller

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College Cost Reduction and Access Act: A Good Step, but Only a Step
Travis L. Packer

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Identity Theft and the Case for a National Credit Report Freeze Law
Kristan T. Cheng

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Adverse Action Notices under the FCRA: The Supreme Court Provides Guidance
Meghan F. McClure

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Alien to Financial Services: Should Social Security Numbers Be Required for Banking Services Provided to Immigrants
Drew K. Kifner

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Other People's Money: How a Time-Gap in Credit Reporting May Lead to Fraud
J. Alex Heroy

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Checking in and Cashing Out: Cashier's Check Fraud, Depository Liability and Proposed Solutions
Alex Y. Lieberman

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Microfinance in Rural China: Government Initiatives to Encourage Participation by Foreign and Domestic Financial Institutions
J. Wyatt Kendall

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Leading For Growth: Assessing the Growth Impact of Umpqua Bank's "Cultural Makeover"
Chase A. Tweel